 analyze our clients' income brackets. Typically, this happens when they've retired, and they might have other assets to live on to supplement, for example, their social security. And therefore, they can find themselves in a much lower tax bracket than they were when they were working. And so we call it filling the bracket. And we say, let's identify some amount of money, could be 10,000, could be 20, could be 50. It really just depends on the client.