 But what if we owned a little bit more bonds in your IRA, which, by the way, makes a little bit of sense based on their tax structure, and we sell the bonds in your non-qualified account, capturing some loss, and we offset about $20,000 of the $40,000 loss or $40,000 gain. So I don't know. We don't know, David, if you've got any of those options within your financial life, but I would at least explore that.