 Well, it's like going to a whole life salesman going, I want to undo this policy. They're going to try to talk you out of it most likely. You go, look, because of this, my basis is going to be this, and I'm going to have to pay taxes of $46,000 because you did this. Instead, she could have just stayed in her own stinking house and left it to me in the will, and I wouldn't have had to pay these taxes.