 with retirement plans, as opposed to individual accounts. And well, yes and no. I gotta watch my words on that, but yes. But they are individual retirement accounts, as they say. A SEP IRA is usually gonna be used by someone who's self-employed, although it can be used for someone- Or a small business, depending on who's in the small business. Yeah, right. So in this situation with a SEP IRA, we normally see it with sole proprietors. And I say that for a reason, because if you have employees and you are trying to put money away for yourself only,