 Yeah, because you can learn more about them, and it's never too late. What was your quote about the tree tying in with the Warren Buffett quote was, the best time to plant a tree is when? Well, it was 20 years ago, but the second best time is right now. There you go. So let's get that tree planted. 800-891-8680, 800-891-8680. Mobile, what are some ways to minimize tax liability?