 What happens is the way that you told me, yes, everything will go to this one child. When she turns around and gives it to the other people, that is going to be a gift. And if she has to give away more than $18,000 per person, she's going to have to fill out a gift tax return on that. And there's no tax on it if she's willing to let that go against her lifetime exemption, which is $13 million. Right.