 And the reality is, like you said, someone is going to be coming in without their spouse at some point. And over the last few years, we've just met with countless clients, both men and women, who have lost their spouse. And there was one client in particular who came in, and we were sitting down in that first meeting. I said, what do we want to accomplish today? What questions do you have? And she said, I guess I'm just afraid that I don't know what I don't know.