 That's the cliff. And that's the problem I'm facing. I can't do enough over the next seven years to really make a dent. Oh, you can do it all. You can roll it all to a Roth. Yes, unless I do it all at once. Well, you can do half of it. You can do enough. You're just going to pay taxes on it. Yeah, yeah, yeah. No penalties, just taxes. And, of course, if you're trying to manage tax brackets...