 IRAs and we take it out at like maybe the tax-free bucket or the Roth. I said, well, let's talk about your taxes. Where are you at? Do you want to show more income this year? And they said, no, we don't want to show any more income because of our current situation. So we were able to take the time, go through it and figure out which bucket of money made the most sense from a tax perspective to help them when they take the withdrawals out. So there's a lot that goes into it moving forward that will benefit the clients.