 when you can't control taxation and the amount of taxable income into the future. And here's the problem with our industry. People say, well, tax defer everything because you're getting a tax break today. No, you're compounding your taxes into the future when you don't know where tax rates are going to be or what your deductions are going to be and what your spending needs are going to be. Now, we know tax rates have to go up and they are going up.