 Moreover, why would I get the tax deduction today? So I put $100 in today, let this thing compound until it's $1,000 and then pay taxes on the $1,000 in the future at an unknown tax rate, right? Likely we wouldn't do that. But the challenge is the professionals that we're typically working with, right? The financial professionals that get you to retirement, they're certainly hardworking and they're doing an incredible job. But in general, these are not the right folks to get you into and through retirement. Because a retirement planner that focuses tax...