 Please explain the differences between the two types of accounts. You know, one of the most confusing things out there is something called the tax law. And I think they made it so confusing on purpose, folks, because, again, these rules were written by the government. It wasn't meant to be easy. And unfortunately, it continues to be even more and more complicated. And in this example, with Jeremy's question, this idea of pre-tax and after-tax gets real out of the woods. And I'm going to try to make this real simple.