 He was making really good money. And he was thoughtful enough. He was thoughtful enough that he had some assets. But he's in his early 40s. He knew those three kids would have to go to college, that they would have to replace his income. It would be difficult for his wife to make the same kind of income that he had carved out in his business. Could she do it? Maybe. Maybe better than him, but doubtful. And he didn't want to put that pressure on her. He wanted to make sure that if something did happen to him.