 Bad idea in a lot of cases. Not all cases, but in a lot of cases, there are a lot of consequences, potential consequences to that that people don't realize. Again, let's use Jack and Ann as our couple. And they both, Jack dies, and so Ann is still there. And she gets concerned, doesn't want it to be too much trouble for her kids or too much expense for her kids to do anything. And so she names the daughter, let's say Kay, as her husband.