 I am so proud of this caller, Dave, because I don't think there's anything better you can do than have a structured plan to do what they're doing, which is convert your traditional taxable later in life account to something that you're taxed on now, but reap the benefits forever in tax-free growth and tax-free distribution. And a simple question, Dave, I kind of say out there is, do you think taxes will be going down in the future?