 We just heard you say that Roth is seemingly the way to go. What you're not saying, though, is just go ahead and convert everything over to Roth because that's not right, too. It depends on your situation. And this is all a delicate balance, which brings me to Mike's book, Nothing is Certain but Death and Taxes, where you guys say, how can a person provide investment advice without actually understanding the tax implications on that advice? So this Roth thing sounds easy.