 implementation and the other 5% is driving you crazy is what I'm hearing because the 5% matters and it's done you good and I appreciate that I'm glad for you and if they live a long life they could inherit this at 60 so we just don't know there's too many variables here and it won't be a million then it will be several million if it goes that long because of compounding so I think for today I'm going to set the will up and leave the vast majority of it to the kids if you want to