 Oh, yeah. It's a big deal. That's why you need a will. And I would add, Katie, once the kids are old enough to understand the concept of all this, I think it's really wise to sit down and explain it to them. What a wild lesson for them to really get the responsibility that you've taken on their behalf, and I believe that will be transferred on. I think it's a wonderful life lesson. Once they grasp it to explain what you've done for them, I believe they'll pass it on and really appreciate it.