 And if you don't want to go through that part of retirement, if you don't think going through retirement, giving 30% to Uncle Sam, and quite frankly, whoever the governor of Maryland is, or whatever state you happen to be in, as you're listening to us, or I guess watching us, if you don't want that experience, if you want to try to minimize your taxes, if you want to try to achieve that platinum level, that gold level, that beautiful spot of 0% tax rates, pick up the phone.