 Why is that significant? Well, especially for a Roth IRA, if you did it in April of this year, the starting date for that Roth IRA is not January 1 of this year. It goes back to January 1 of last year. So you are already like 15 months into that five-year period that you have to have a Roth IRA. And that is a lifetime qualifying period, by the way. So just an extreme example, let's say 20 years ago you had a Roth IRA.