 That's $74,000 less dollars that the advisor gets to manage, aka bill you for, right? So not a lot of advisors will talk about doing Roth conversions because it's less money for them to manage. I just don't think that that's right. And also too, you can eat that tax elephant one bite at a time. You don't have to do big chunks like my example right there. And I think you're smart if it makes sense to do strategic amounts over a period of time.