text:  And they realized they had everything in this tax-deferred bucket, a good chunk going into this 1099 bucket. So yeah, they wanted to move as much as they could to this tax-free bucket. And as we look at that tax-free bucket, we have, of course, your Roth IRAs, your Roth 401ks, but then we have HSAs. So there's health savings accounts there as well. We get a tax deduction. It's growing tax-free as long as we use it for medical reimbursements.