 But how do they negotiate with banks and other financial institutions and your mortgage company? They have to do that with what's called a financial power of attorney. So you have to have a power of attorney in place that says, if I ever become incapacitated, I want, for example, my son or my daughter or my spouse to be able to manage my financial assets. Then they couple that with the trust and they say, well, the trust needs to manage my estate for my benefit. Because like your friend, you might regain capacity. And when you do, you want your house there.