 Well, I agree with that, and the way I was looking at it was as like a three-pail system where one would be the 401k, the other would be my home, which I'm going to sell and downsize when I retire, and the other would be Social Security. Social Security, I've got about $3,600 a month expected coming in. The home is $800,000, which will be paid off when I retire. Well, if you're going to sell it anyways and downsize, can you do that now and use the proceeds? What are you going to make when you sell the house?