 paying zero taxes. And that's why I said at the onset that we get to control our tax bill. It's one of the few things that you can actually control during retirement because you can't control whether the market's going to go up or down. You cannot control that. Yes, you can control how much risk you want to take and you can take all the risk off the table by buying insurance products or buying CDs and you've transferred the risk to those guys. But the fact is, is that