 What we can try to do is minimize the amount of money you're paying in taxes, first of all. And if you were able to save, let's imagine, 2% of your earned income a year in taxes. And then you are contributing 10% of your income to a retirement plan. Could we argue that now you should be able to put 12% of your income in? And you get to deduct that extra 2%? So there's additional savings? This is how you fight bad markets, by the way.