Well, there were a number of things there. The one thing I do want to highlight, though, is to make it clear that we're not talking about just the wealthy, I guess, when we're concerned about the proposed changes. I'd have to agree that we believe it applies across the income spectrum. I think higher-net-worth families are benefiting from it, for sure, but there are also families that aren't and have been using income sprinkling as well.
Taking a step back from that, I think—