[laughs]

And it got as high, post-expansion, to 5.5%.

That's an F minus, right? That's not, that's not great.

And the, um, credits which we've been talking about in the professional community are so good that year one for your retirement plan, it's, it's essentially no cost, depending on how you go about it.

Obviously everybody's different, but it is, uh, it is shocking and it begs the question: Why aren't people taking advantage of free money, tax credits that the government has decided are yours to have, uh, if you were to sponsor a retirement plan? And that really boils down to human nature, I think, to a large degree.

People either don't know about it, or they think, "Oh, well, you know, I was told I'd get these credits.

I assume I'll just get it.

So yes, it's pretty healthy for a company that size.