 Number two, it's got to be reoccurring. It doesn't matter if I have income and I know when it's coming, but it doesn't come every month or every week or every two weeks or whenever it's supposed to come. Just every once in a while I get some income. That won't work. It's got to be reoccurring. And last, and this is where the IRA and the 401K come into, it has to be realized. What good is it for somebody to go, hi, Del, I got your piece of paper out, buddy.