 Yeah, it's just really the best way because, you know, we can't know all things. Everybody has specialties. We all know our areas. So, for instance, here's another example. If you have tax advantage investments that are outside your retirement account, that also is another way you may be able to save money when you take retirement withdrawals. Those investments, Tony, that produce long-term capital gains, those end up receiving special tax treatment when established outside a retirement account.