 But at the end of the day, our folks get to do everything they want in retirement and they get to do it with a smile. And they don't have to worry when the stock market crashes or when a nursing home event happens or a tax bill comes to the door because we've already addressed all those things. And I think the tax planning to me, when you're better off than what you think, that is such an awesome story to tell. We've talked about a lot of things, long-term care in the market, but taxes to me, Randy, are something that get overlooked. Your IRA is the biggest liability you have in retirement when it comes to taxes.