text:  gets compensated. They get rewarded by you when at the end of the year you owe less in taxes. And that's a pretty easy phone call to say, hey, put money in your IRA and you'll save $1,000 on your taxes this year. When in reality, they're not doing those forward projections most often that we're doing in our office, looking forward and going, well, what are taxes going to look like over the rest of your life? And if we take those things into consideration,