 Also, Alan, let's go on to the next part of this. Can you describe for us what could happen if estate and legacy planning, if it's botched, it's not done properly? That can be a huge problem. Well, the truth is, Ralph, everybody's got an estate plan. It's a question of whether it's yours or if it's the state's. And if you don't have an estate plan, then you fall under what we call the intestate laws. And those laws will determine what happens to what you've left behind.