I think almost everybody's going to say they're probably going to go up. The way we look at it is that, really, you should be setting yourself up for tax-free life. That may mean you have to pay some taxes now, but in the future, you may have tax-free income. Some people like Roth IRA, some people like traditional IRA. I really don't think it's a one-size-fits-all strategy. It really should be individualized to the person and what their overall philosophy is.

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