 It is for sure. Now, the question will be if Joe Biden forgives, say, $10,000 chunks of people's student loan debt, will they be expected to pay 20 percent of it? I don't know. I guess it depends on how the Joe Biden IRS behaves, because they could go to all those people and say, you got $10,000 in loan forgiveness. Your effective tax rate was 20 percent or so. That's usually the federal. And and so you owe $2,000 this year.