 If your income was high two years ago because of the sale of an investment or other taxable gain, but then the next year reduced, when it comes time to assess your IRMA for the next year, the calculation will be based on the lower amount. So I want to point out that if you have an income-related Medicare adjustment amount for Part B, you're going to have one for Part D as well. We haven't talked much about Part D, but this is