 Okay, I'm sorry. I just couldn't let that go. Is this accurate? And do you recommend this strategy or some other mechanism to avoid taxes while generating retirement income from the Apple stock? I look forward to hearing your advice. I think that you have a good understanding of this, that when you put a chunk of highly appreciated securities into a crud, you get a tax deduction today. You can pull income out in the future. You don't have to pay capital gains on the amount that you put in there.