 No, heavens no. I mean, if structured properly, it's a great tool. Yeah, and it's not the only tool. I love that you used the word tool. It's a tool in our tool chest. But when structured properly, that can be a really advantageous tool that doesn't have the same limitations that a 401k or IRA might have. Right. Okay, so as far as retirement, but what about protection? Okay, we know a lot of people...