 But now you didn't do any planning and now your spouse unexpectedly passes. Now they may be paying 20% or 25%. So now you're paying $250,000, $200,000 of your IRA to Uncle Sam because you weren't paying attention and you were saying your financial advisor or your accountant or someone was saying, wait till 73. You don't have to wait till 73. You should just wait till 73. And it's like...