 So, again, this has been Susan Moore with Moore Wealth Management, affiliated with Linscoe Private Ledger, LPL, member of NASD, SIPC, talking about estate planning for the average person, things that often aren't done that need to be. Again, meet with a financial planner and go over what you've got, how you want it to pass upon your death, and why. And make sure that everything that you've got is structured to make that happen effectively.