 stock in kind and I'm thinking about taxes here I'm thinking about markets moving you know if the market has a down year let's focus on 2022 when the market was down significantly you may have had some tech stocks that were down 30% well here's an opportunity let's pay the taxes while the stock is on sale if Microsoft or Facebook was down 30% there's an opportunity to do some proactive conversions when the markets are down that's one thing that comes to mind what do you think in case