 Because 85% of the typical business owner's net worth is tied up in the business and it's all you. You die and the business dies and the value with it. Or not even die, but you have some kind of major traumatic issue. It could be a partnership breakup, right? Meaning romance dies, right? You know, you got the two guys that are best friends that break up. That happens all the time. The businesses fall apart. I mean, all kinds of problems can happen. Disability.