 You want to make sure that these are the risks that you face, and we want to make sure that you have your parachute in place for all these. What if taxes increase? We can almost guarantee that taxes are going to increase, can't we? And all of these need to be replaced. What if you get into a position where you have to retire early? I had a client in my office that had to retire early because his wife had a stroke. He had to go home and take care of her.