I generally do not disagree, but that’s kind of like saying: if you already have $X, then you just need $Y - $X. My answer is based on someone going from $0 to

I generally do not disagree, but that’s kind of like saying: if you already have $X, then you just need $Y - $X. My answer is based on someone going from $0 to $Y, i.e. the most conservative interpretation.