 So it really is not fair, but fair isn't a word anymore. It doesn't exist. So we look at spenders and savers, and that's what it comes down to. And it's just about having a plan put together. So we'll put a tax plan together for you to help you look ahead. It's a tax financial flight plan. So look ahead in retirement to reduce your taxes, not just the simple ways, but there's some complex tax saving strategies we go over with those of you with high net worth.