 of retirement planning and financial planning, because on the way to retirement, you don't have to worry about these things, right? You get your W-2, maybe you have taxes withheld, and it's all in one form. You only have to worry about one form of taxation, one form of income, and now you have multiple sources of income, you have multiple sources of taxation, and we really have to start analyzing each aspect of these things. You talk about the effective marginal tax rate. I'm going to leave that one to Marshall.