 When the money goes to the kids or the grandkids or charities or churches, whatever it is you want it to go to, when you and your spouse are both gone, it's tax efficient so that the number one benefactor in all of this is not the IRS. We do not want the IRS to be the number one benefactor of your assets when you're gone. Unfortunately, that could happen easier than people think. And again, we help you to mitigate those risks with a portion of your asset, whatever portion makes sense for you.