 and leverage is some portion of the gain, well, in our real estate deals, we put down 20% and we borrow 80%. 80% of the profit is due to leverage. Then 80% of whatever it is you earn on your IRA profit that year has got to be taxed. It's taxable as you bid income. And you're taking money that you, first of all, don't even get any money from, put it in a deal that you thought would avoid taxes, and then you're putting it back into a deal that's going to make it taxable.