 Or if you're a married couple, to ensure that if one spouse needs long-term care, that healthy spouse isn't completely impoverished. And so that's a strong planning strategy. And also, if you have kids and you want to make sure that your money goes to your kids versus going to a nursing home or to long-term care costs, this is also another strategy that may make sense. So you might have a revocable living trust now that avoids probate and controls the distribution upon death.