 So we always talk about the market. We just talked about the Dow reaching another historic milestone, the 40,000 barrier. So naturally, we're thinking, hey, what should we be doing? I don't want to lose 20 to 30%. But how often does that actually happen? And this is the question that I want to ask the two of you, because we're going to talk about taxes here. And if you're a business owner, stay with us, too, because we want to address your concerns as well.