 Let's talk about really quickly, I'm covering a lot of bases tonight, a lot of ground, not focusing on any one thing, talking about a lot of different things. Let's talk about estate planning. I mentioned your parents and the largest transfer of wealth is getting ready to be handed off from one generation to the next. You need to have a game plan for that money. You need to have a tax strategy. Because again, if your mom and dad, my mom and dad's going to leave me a million dollars.