 Until somebody starts barking at me about getting it done, okay, I'll send it to you. And it's not the way to do a business plan. I have seen more families that have been destroyed from the wealth that they could have had because they didn't plan for the 5Ds. The main breadwinner passes away prematurely or gets disabled and can't function. No one else knows the business like they do. There's a ton of what's called personal goodwill.