 Alan, I believe on some of our earlier shows you've said that the R, that first one, is probably the most important. But the R and the E, that estate planning, is probably just as important as the R, isn't it? It is, Ralph, because even if you spend money the way you want to spend it and do all the things you want to do in life, but you don't, as we said earlier, put a bow on it to your family, then what you're leaving them could be a mess.