 or maybe somebody getting a raise because of a tax cut, right? Now, the reason, I don't know how much we want to get into why it is that a lot of Iowans don't pay income taxes, but effectively, previous reforms at the state and federal level were made that have resulted in a lot of lower-income Iowans just not paying income taxes. And you could say, well, an income tax cut today doesn't help those people directly.