 to do forward-looking planning and perhaps make some changes to our lifestyles and behaviors to try to reduce our long-term tax liability. Now, this is where I have to be clear that me and my colleagues here, we are not tax professionals. We know, I don't know what's the expression, enough to be dangerous, but really folks need to have a relationship with a CPA or a tax professional, someone who can give them forward-looking long-term guidance to hopefully lead to potential long-term tax reduction. Because you know what, Luann?