 In now, here's what we should be doing, and here's how we can reduce taxes even further than we ever imagined. There's some other planners that talk about it. I don't know what they do, but we have a really good team, especially we use Michael Wall in Florida for a lot of tax planning, advanced tax planning strategies that he's taught some other planners but hasn't given them the advanced training like he has me and my team, and Michael Wall even participates in some of our plans too. He does.