 Therefore, interest rates will be higher than they were in the past decade, which means dividends are going to be higher and keep climbing for a while because we're getting out of that extraordinarily low interest rate environment. Wouldn't it be nice to have an investment where each year your returns actually increase? And that's likely what's going to happen with your personal bank. And tax-free on top of it, so you don't care what the tax rates are going to be in the future. The current tax situation is set to expire in two years.