 No one would sign up for that partnership. But we've done that inside of the 401k, inside of the IRA. We've put money behind this curtain that the government can't see right now, but when we get ready to pull it out, they're going to see it, and they're going to tax it, and they're going to tax it at the rate then, not now, then. So a recommendation would be to explore Roth IRAs or Roth 401ks.