 That's my reading of it. Okay. My question is about making a series of big Roth conversions to reduce some of the error of not starting the conversion process years ago. Okay. He and his wife are 73. No kids. They sold her house. They're not going to buy another. They are from the group that has saved so diligently and spent so little, which means they've got $8 million. Mark, cue the hate mail.