 is take their 401k and roll it over to an IRA. And any previous jobs you had, if they're still in the company plans, roll them out, put them all together, conglomerate them into one bucket. You can obviously mash them all together. That makes it very easy to manage. So that's kind of step one when it comes to 401ks. And then it becomes, now that it's in this kind of wrapper that it's supposed to be in, the rest are optional. Step one is something that you should certainly do. Step two through two, three, four, five are up to you. And one of them is, this is not a good option.