 Do you have a strategy for that to overcome the 10-year rule? To make sure that if you do inherit a million bucks, that Uncle Sam doesn't get a half a million and you get a half a million. What are you going to do to minimize Uncle Sam? That's where the tax planning team comes in. Do you have an estate plan set up yourself? Does mom and dad need one? Again, we have those people. A lot of you are going to listen to me right now and blow it off and not do anything. But if you've got parents, if you're fortunate enough to still have your parents,