 Stephen, great stuff. And I know people can go and check out the Bank of America Institute on data consumer stuff. Thank you, Stephen, for the time. Really very good. And you do it in a great way. We can kind of forecast a little bit of what's coming. Thank you, Stephen. Thanks. Taxes are at all time lows with nowhere to go but up. There are steps you can take today that could save you tens of thousands of dollars for when you are ready to retire.