 ignoring available benefits. I think the biggest one is honestly paying high taxes. People think there's nothing that you can do. It's not true. There is things you can do. You just actually have to have a plan and you need to find a team because we are not the only game in town. I know great tax planners all over the country. I go to these meetings where there's 500 of us in a room, 1,000, 2,000 in a room, and they're all tax planners.