 Beyond that, there's other kind of day-to-day expenses. I know a big one that you have pointed out before, Abe, is eating out. So what or how much can federal retirees be spending in that? Well, whether you're an active federal employee or whether you're a retiree, I know that as an active federal employee, we used to eat out every day. That was a big part of our workday was eating out.