 and making sure that once you're done here on Earth that the money goes to who you want it to go to and minimize Uncle Sam. We want to defang, disinherit the IRS as much as possible, legally possible. Guys, before I go into that, you may have heard me talk about over the last year or so, there's a lot of you that have annuities out there. There are trillions of dollars from the reports I get, trillions of dollars in old annuities.