 And it can be very, very beneficial, particularly if you're using a strategy that involves some type of upfront bonus. And many of the financial institutions that I personally work with have that available. So oftentimes, after the paying of the taxes, particularly if we do it in a smart way where we bracket you through the tax brackets, we don't have you pay all the taxes at once. Typically, you don't want to do that. I've had a few people who said, no, I want to pay all of it now. I don't care. It'll come back. I'm not going to be accessing the money anyway.