 This is a huge, huge pain point for a lot of our clients, and I know for a lot of the people that listen to this show. We're hearing it a lot. I think people don't realize how big legislative risk is when it comes to their financial planning. I gave an example last night, just a situation of just all the taxes that can pile on. Our office is in Howard County, Maryland. When you go grocery shopping in Howard County, Maryland, there's a five cent tax on every grocery bag that you have.