 It does not make tax sense for them to do it. So yes, so tax planning is an integral part of the process. And I have people that make decisions based on what tax bracket they're going to be in or what that tax impact is going to do to them. And of course, if you make a plan, you can make changes. If you've already committed and you've already done things and made distributions, we can't undo those things. But if we lay out the plan and lay out some groundwork,