 Ralph, that is the question of the decade right there. I think what's buried in this question is, should I do a Roth or should I do a Roth conversion? And those are totally different things. This is kind of a complicated question, but I'll try to answer it as efficiently as I can. If you are saving money and you have the ability to put money in a Roth, by all means do that. Because money in a Roth, you don't get a tax break for putting it in, but once in there, it grows tax-free.