 The question of being that some people do ask when they come in and they sit down with Lawrence and myself is, well, if Roth conversions make such sense, why don't I just do it all right now? Let me just convert. I've got $600,000 in my IRA. Let me just do it all right now. And what Lawrence is describing is by doing that, all of a sudden you're taking this strategic plan that Lawrence and myself and our team here at Per Status has created for you and just kind of thrown a grenade into it and said –