That's how a lot of agencies have been born or made it over the hump. The demise of one allows some people to get their start.

What's attractive about the Roth K is that it allows those in the upper-income bracket to contribute. Before they couldn't make any Roth contributions whatsoever.

This allows state agencies and regulations to respond.

I feel like I'm finally over the hump,

It allows them to have the experience of being the lungs for their instrument.

I think one of the big keys in the second half was that we never could get over the hump and get the lead. Had we taken the lead, we might have won it. But we never could get that key basket or key stop to even tie the score. They made the plays when they had to. They did time and time again in the fourth quarter.