 Well, you know, for us, I mean, just myself as a prime example, understanding taxes. When I started this company back in 2002, we set up Roth 401ks and we had Roths and all our money has been going into Roth 401ks for my wife and myself and for my staff because I understood I'd rather pay tax then than pay tax when I needed it later because I can be tax efficient during retirement. And rather than have that