 having a financial advisor, tax planner, not a CPA, a tax planner, and an estate attorney that even if you have a trust, and somebody recently has now become a new client, and his trust was set up in 1994, and he had not updated it since 1994. I said, I think there's probably a few things that's changed in your life in tax laws and other things since 1994, don't you think? And many of you don't have a trust, and perhaps you don't need one.