 Yes, that strategy for income planning comes into the effect of what you did years before. And what we're talking about today is pay tax now so that when you get to retirement, you have choices. Imagine saying, okay, I got a pre-tax account, so all that money's not mine. I already paid a tax on that one. All right, so give me a little bit out of there, a little bit out of here. And overall, you keep your tax rate reasonable, you stay under IRMA, whatever other limit you got to work on, and do magic. Now,