 In contrast, to give you an idea, take a simple example like, well, let's just take a CD. That's a perfect, simple example. You can earn interest on a CD, of course, year to year, but you do have to pay the taxes on it each year, whether you access the money or not on the gains. So again, if you are tax deferred, there's a difference between tax deferred and tax free. And the difference is tax deferred is you're kicking the can down the road, so to speak, in terms of paying the taxes.