 For a single person, half the Social Security plus all the other income hits the $24,000 mark, it starts to be taxed. And, you know, a lot of times when you have a married couple and one dies, now you've got the spouse that's really stuck in a tax situation. And these things have to be planned for. We know that that's going to happen someday, but we need to plan for it. I hate to have people get surprised when it comes to their taxes.