 He talked a little bit about in his question about Social Security taxation, and that's all bundled up into it. But we want to just kind of look at somebody's situation, look at their income and figure out where they're at while they were in their working years. And now when we start talking about Roth conversions, how far can we go? You know, you may be able to go pretty far into the 22 or the 24 before your effective rate gets back to where it was while you were working. And that's the ultimate goal.