 I don't want to pay the taxes, you know, which is understandable. None of us want to pay taxes on it, but the government's good at what they do, guys. They're going to get your money eventually. When you pass away, what you're doing is forcing your kids to then pay a higher tax burden in most cases. And even if you're passed away, do you want your kids to pay more taxes to the government than you could right now?