 net zero tax implication. That's kind of one of the big things is making sure that we're trying to be as tax efficient as possible throughout the year with your investments. So for our listeners right now and our viewers on YouTube, I understand it, but a lot of people may not understand it. It's very complicated. Do they have to be involved in any of that? Do I need to be involved in any of that? Or do you guys take care of all that for us?