 your plan in the future, what is your bracket today, and what's your tax bracket when you retire? Does it make sense to pay tax? If you're going to be in the same bracket now and in retirement, which I think is a fair thing to assume, because people would like to keep the same standard of living, why not pay tax now, and then as it grows, when it comes back out, we won't have that problem. There's so many reasons to do that, and so many ideas that we'll be getting to you throughout the show.