 Every time I say this, Peter, my mind just blows up. My brain just can't accept the concept that politicians could create a system where one stinking dollar more than a certain number, and all of a sudden it costs you $2,000, $3,000 in extra taxes. But because of that, you need to be very attentive. We have another caller, eh? We do. Cheryl in Baltimore, what can we do for you?