 Well, it's kind of like making sure that everything is working in sync. If one person in that marriage is pulling one way and the other person is pulling another way and they don't have a unified presence, then you can tear a family apart. And that's what happens when you're putting together a financial plan. Maybe you've been real successful. You've got a good income plan in place. You've accumulated a lot of money. Your spouse maybe has a pension, so you're not worried about the spouse. But then you're gone, and now all of a sudden,