 Boom, it's all tax-free now for loved ones. And that's just one small example. Life insurance is not right for every single person. It has to make sense, and it has to be properly structured. Right, right. But it's another tool that could and should be looked at. Yeah, I think that's the key, is that you should have a plethora of tools. You shouldn't be so narrow-minded to say, well, here's how I've done it for the last 30 years, and nothing can beat that, right? That's like having a mentality like,