 Or if you're planning to retire and you've got a big number that you're trying to figure out, you're exiting. You're going to exit from death, disability, divorce, disagreement, distress, the five Ds. Those five Ds are going to happen somehow. One of them, not all of them. So why do we not plan for those things? Because we're procrastinators. We wait to the last minute to do taxes. We wait the last minute to plan. I'm guilty of it myself.