 I will go as far as to say never has someone walked into my office and said, James, I really want to die with the most amount of money. Right. That, that doesn't mean people don't want to have a lot of money when they die. They want to pass. Usually people are generous. They want to pass money on. Right. But really what they say is, I want this money to pay me while I'm alive. Right. And I want it to stay intact because what if I have a medical need, a long-term care need? What if I need the money?