 You only know the answer. So there's not a one-size-fits-all. We're not here and it's just a cookie-cutter life insurance policy. We want to look at the whole you, and this is why we want to talk about your vision. I do not want to put anybody in a worse position. I'll just give you an example. I had a couple from Texas I've been talking to the last few days. They have two convertible term life insurance policies, one on him, one on the missus.