I

think it's all things.

Uh, I remember somebody, a PR firm called me years later when I was into it.

And they said, you know, we're a big PR firm.

We have a major financial, I think it was a major bank.

I don't want to give the name.

But they said, you know, we look at the Wall Street Journal every day, Ed Slott's in this.

What is, if you had to give like a summary of the topics that you're talking about in two days-

Mm-hmm

... or required minimum distributions.

Because one of the real benefits of converting to a Roth IRA is known tax rates.

We know what the rates are today.

We don't know what they'll be when the 60-year-old retires.

Plus, if he does nothing, to me, doing nothing is not really an option unless you honestly believe you'll be in a lower bracket in retirement.

There's a lot of people who will.

Mm-hmm.