 grandparents, parents are passing away or will be, and they're leaving behind large sums of money, equity in houses, 401Ks, IRAs. My grandparents didn't have no IRAs. My dad's got an IRA, and he's still alive and kicking or whatever, but the prior generations didn't. This strategy of tax deferral, and many of those people have set on this money and sometimes grown large sums of money.