 It ain't going away, and the problem is when you die, so do your kids get it now. They've got to deal with it. So let's get a plan to try to lower those taxes, and let's get that started right away. And then finally, market volatility. And as people know, we've got $260 million with Charles Schwab. We don't mind taking a little bit of risk, but folks, you've got to dial that risk back. If you're a saver, retired or retiring soon, you cannot afford to go through another 08. Let's dial that back. Let's create some safety. Let's create what we call...