 That's what that is, if you do it that way. And that would be like you cover your four walls, your insurance, and every other penny you're going to spend saving up for this treatment. And then as soon as you get the IVF behind you, then you start back and you finish off the 40K. That's not my preference. That's plan B. But none of these include cashing out a 401K, and none of these include borrowing money for IVF. You follow me?