 Welcome back into the Southern Kentucky Retirement Show. This is Ralph Hipp, back with Alan Costello of Southern Kentucky Financial, online at sokyfinancial.com, by the way. And we'll be giving out Alan's phone number a few more times during the radio show. As I mentioned, our federal income tax rates, we've got a year and a half, Alan. That's it, and probably the lowest we'll see in our lifetimes. After that 2017 Tax Cuts and Jobs Act will sunset and expire, the tax rates will expire at the end of 2025.