 And in that situation, if that spouse dies and there hasn't been proper planning done, you can leave that spouse in a bad situation. The strategic tax is a huge piece of it because, as we've said many times, the IRS is your partner in your retirement plan, whether you want them there or not. So you need to make plans on how you're going to take those allocations out, how you're going to spend those funds, and where you're going to pull them from. We call that tax management. And last, of course, is estate planning and legacy planning.