 But it's going to take effect this next year where you have to start taking out, for some of you, you're already having to do this, a minimum required distribution on an inherited IRA, which is forcing you to pay more taxes. And in some cases, we're seeing that put people or push people into a higher tax bracket. Folks, it doesn't have to be that way. Using one deduct, be it a tax credit that I just talked about with one of our key strategies. And one of our other key advanced strategies is using tax deductions where you can use