 a will or a trust. So just because you write a will doesn't mean that your IRA has anything to do with the will. It doesn't. It has to do with the beneficiaries on the account. So that's good that it has a beneficiary. Avoids probate. But if you have a after-tax account, maybe you have a money market or CDs, or maybe you're blessed to have a big pile of Nvidia stock, right? And you want to pass this on to make sure it doesn't go through probate,