 And Jonathan just mentioned, Dave, the Tax Cut and Jobs Act sunsetting January 1, 2026. It is such a key component. So in the window between now and January 1, 2026, pretty critical time. And it seemed like a few years back, well, that's a long way off. Now all of a sudden, that's in our picture window right now. I would think now would be a great time to get in and start talking about the conversion to Roth.