 Good to be with you, Rob, as always. Ron, we've had calls from folks who even take out insurance policies just so they can leave something to their children, who in many cases are already grown up and out of the house. Does Proverbs 13.22 mean we should always leave money to our children and grandchildren? I don't interpret it that way, Rob. I think leaving money to my children and or grandchildren in many cases may be a bad idea. Hmm.