 And we have seen this happen and it's been very devastating where you might have $500,000 that your daughter inherits upon your death. And if your daughter isn't aware of it, they only have 90 days to roll over that money to inherited IRA. And an inherited IRA would allow her to take her time distributing that money. She still has to do it within 10 years, but then let's say she could take out $50,000 a year