What do we want to talk about today?

I wanted to give a quick update on a tax credit that's been out there for a number of years called the Savers Credit.

Uh, it's been very limited because it's based on people in low income brackets.

And if they contribute to a retirement plan that qualifies, they got a tax credit.

The problem was you still had to have a tax liability to be able to get that credit.

So many people kind of get phased out of actually getting any benefit.

So that's going to go away after the end of this year.

We really