 You have this massive loss in your business. Why are you converting your IRA? I mean, we've had business owners that go, do you like your CPA, your accountant? Oh, yeah, he's a great guy. He's a super guy. Well, he probably is costing you hundreds of thousands of dollars over the next 20 years of your life. We do have a lot of farmers that are clients. Farmers sometimes are extremely wealthy. They sold a portion of their land and they have this massive tax opportunity to convert IRA because they're losing money.