 So first you have to look at how you're saving that money and what the purpose of it is for. And that's going to determine how we can save the most amount of money in taxes. You're going to pay the tax bill at some point. There's no way that everything's tax-free. So we've got to figure out how to minimize that. And then we have to look at really what is the most appropriate investment for you. So is a bond appropriate? Is an annuity appropriate?