 So get educated on Permanent Whole Life. The whole idea is that, yes, it's not going to be about the death benefit. It's about you're going to create a vehicle where you can build up cash value that your grandson can use at any time in his life tax-free. So you ask for tax advantage. A properly designed Permanent Whole Life plan is a Roth on steroids. It's going to grow tax-free, and he can utilize that money anytime he wants to, as I mentioned.