 Different sources of income have different tax treatment. And I think when we're figuring out how much money do we need each and every month to live, we have to also figure out a line item in the budget for taxes. And so depending on where our income is coming from, if it's coming from a pension, of course, we know that that's fully taxable. If it's coming from Social Security, there's a portion of that that's going to be taxable.