 Ralph, we're actually experiencing this in my own family now. A cousin of mine who passed away and who had a 90-year-old mother. There was no power of attorney in the place. So this is something that's serious. Also, there's the idea of a trust. And we don't have time to get into the various aspects of a trust. But basically, there is the living trust, which is a probate avoidance technique. And then there are also other types of trust that can be used for various reasons, including the reduction of estate taxes.