 Limitations are applied, obviously. A lot of folks don't know that life insurance, they think, oh, life insurance is expensive. It's unnecessary. That's a great tool for asset accumulation in a tax favorable way. A lot of folks don't realize that. But a lot of folks out there aren't utilizing life insurance in the most appropriate ways more often than not. And that's when folks get frustrated. I'm not sitting here advocating for life insurance. That's just another video.