 These are all good reasons to have it. And then whatever's left would go to your beneficiaries, your children, whoever. But my goal with my clients is to make sure there's money for them and we don't spend everything because Medicaid is going to make you go through a Medicaid spend down. In Kansas and in a lot of states, that's $2,000 or less. So you basically have to be broke if you don't plan in advance.