text:  between now and the first day right now of January, 2026, to be able to make some decisions on this. And it's because of the way that the tax code is. And we have shown this to hundreds and hundreds, thousands of people of how that they can do that. And Ryan, what can we do for people to take the next step? Well, what we're really saying in this section is no matter how you slice it, taxes will play a big role in your retirement. And if you could