 Well, I think what you're asking of Charlotte is should you really have two plans, and the answer is no. One good plan should cover both of you for both of your lives. One good plan. All of our plans, they're designed to make sure that the survivor is going to be left in the best possible position. So I think that's what you're ultimately worried about, Charlotte. So a good plan, listen, you both have different accounts for different IRAs, Roths, things of that nature.