 The key, Ralph, is to know where you stand at any given moment and have an advisor who can help you to what we call re-forecast. So when you make a big decision, a 9-1-1 or a 4-1-1 as we call it, when you make one of those decisions or you have questions, then the thing is to build it into your financial model and see what the impact is going to be. Ralph, that's the benefit of working with a tax and wealth management firm like Southern Kentucky Financial.