 So like we were just talking about a Roth IRA, provided the laws don't change, Roth withdrawals, if you follow the rules, can be free of tax. Well, let's say you put some non-qualified money into a municipal bond. Well, that interest is free from federal income tax. And if you buy it from a state where you live, it could be free from state income tax. Or you might want to look at the importance of qualified dividends versus interest, because qualified dividends could be taxed in a different way than ordinary interest. So