 Doing the planning helps because if you don't, you're going to spend until you have nothing. And then, unfortunately, that's how so many people do it. They spend all their money until they have none. Then they go see the other law attorney. It's too late. The money's gone at that point. Correct. So that's reactive versus proactive. I would be proactive and take care of this if you can. And you know what? Sometimes things happen. Everyone's doing fine. Then all of a sudden there's a stroke or a heart attack or some sort of an issue that causes...