 You know, people lost their job. They're going to default on their mortgage payment. Well, it's a lesser of two evils. If you have money in that account that you can get out without a penalty to pay what might be a late payment on a mortgage or something, well, extenuating circumstance. But meet with an advisor that can step you through the process of here's how we think about it. This is your situation. Here's our thinking. This is what you should do. And then we move forward from that point.