 Taxes are always there, and the hardest part is using the rules that we're given to pay the tax now and never again is one of the best concepts of how to grow your money to become your money. And I just love the idea. One of the things that we want to go over in the third quarter here is why it's so important when you think about if you're married or single and how this applies and how it makes a really big difference when you look at filing as married or filing as single.