 Pass it on to your heirs tax-free. There's nothing better, folks. Period. From a tax standpoint. And then you add all of that up. When we bring in bank lines of credit and various things like that, we can create a positive arbitrage situation. Or in other words, a positive cash flow on your money once you spend it. And do we spend money? The answer is yes. Human beings spend money. We buy things. We pay off bills. We invest money.