 No, if there's no Roth option, no, I don't really see a point. Okay. Oh, by the way, Mark, did I forget to introduce you at the top of the show? Hey, that's Mark Tillercio. I'm so sorry. Hey, Mark, how are you? Hello, Jill. Hello. Better late than never. I was talking to you so much before we got on the air that I forgot to actually introduce you for the show, so I apologize for that. So what do we have to –