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Thank you Bob for a super summary of a few of the continuing negotiations in Congress. Mostly everything sounds like they are laser-focused on closing every possible loophole that the upper middle class has been using to reduce their already-high taxes. The removal of large Roth IRA conversions or mega-Roth is attributable to the Peter Thiel syndrome and that's unfortunate, as Bob says, for the mom and pop investor who want to pull themselves up. Perhaps some of these far-flung proposals will fail.