 So you're not intimidated and you don't, for lack of a better word, sweep it under the rug again and again and again until it's too late. Well, the other thing that I wanted to mention that you made very clear the last time you were on, which was that you made it affordable, that this is something that people need, but you made it affordable for them to be able to get. It's the entire wills, trust. What is it that they get?