 But probate with a blended family can be quite dangerous. I mean, I had a case years ago. I mean, a guy had an IRA and he had named his wife and then three of his kids and three of his wife's kids. And he called me up and he said, can I change the beneficiary without my wife knowing? And I said, well, yeah, you can't do that with a 401k plan, but you can do it with an IRA. He says, well, I think I want to change it to my kids. I said, why is that?