 I'm going to just try to explain my retired clients. My retired clients, when they come in, and in their 60s, before they got to start taking money out of their retirement money, sometimes there's years where their income goes low because they're living off of savings and don't really need much extra. They're sort of just being mellow in retirement and really enjoying it. And the reality is, like, what do we want to do about their taxes? And I look at it and I say, well, you know,