 And we understand the financial tools and how to integrate the two together to be very tax efficient into the future. And when we put together this tax plan, now we take better control over what might happen with taxes in the future. And when we show people how to be more tax efficient and retain more of their wealth, now they're going to grow wealth faster, they're going to have more income, or they're going to be leaving a larger, more tax efficient estate to their beneficiaries.