text:  What it also allowed was because we're going to pay 0% tax on that, it meant that their Social Security wasn't going to be taxable. And when their Social Security wasn't going to be taxable, even though we were taking money out of their IRA, it was at a low enough that their standard deduction offset the distributions. So these guys are in the $110,000 to $120,000 a year income range paying zero taxes. And that's why I said at the onset that –