A person puts in $45,000 in one calendar year. That's just 7%. You're not paying fees. And you've done pretty well. This is putting money into the SPY, the S&P index every year. Now all we're going to change is that we're now going to take 2% fees out of that 7%. OK. We should absolutely do that. It's one of our podcasts. Look at that. So this one we didn't do taxes and somehow you've got $12.6 million.