 work with somebody who's working with you, not just to help you when it comes to performance on your portfolio, but to help you with the taxes. And so these tax laws will change over time. I think we should take advantage of them in the short term. The taxes are a huge component to retirement. Time and time again, people will come into our office where they were working with an advisor that wasn't paying attention to taxes, wasn't paying attention to, they're trading the account.