 But if there's no way of going one way or the other, then we need to maximize wherever we're at. I had this one case where we did a qualified charitable distribution, and that lowered their IRA income just enough so that the Social Security wasn't taxed. Then when standard deductions slid in, they end up with zero taxes. And then the accountant says, oh, you didn't need to do the QCD because you don't owe any taxes. And I said, just simple as if you didn't do the QCD...