 over 21 1⁄2 years ago was the three different tax allocation strategies. One is tax-deferred. We're all familiar with that. Everyone talks about that. The other one is taxable, and most folks have between 80% and 90% of their assets, if not 100% divided between those two. But there is a third one, and it's my favorite. It's called taxed advantage, also referred to as tax-free. You pay the taxes once.