 But you've got a year and a half here to move that money, and if you don't, more than likely you're going to pay more taxes than you would now in 2026. So the way I think about it is taxes are on sale for another year and a half. So it might be worth looking at, maybe if you have an IRA, a 401K, maybe changing it to a Roth, paying the tax now and changing it to a Roth. Is that what you're saying? Something to look at. It's something to investigate. Each individual could be different. Each individual. That's exactly right.