 The other one is the one-person design. So Cindy might know something like SLAT, right? Sometimes we say, hey, I don't trust my owner. Then can't I move the money inside? But if it's using SLAT, then for example, me and my husband have two banknotes. Then I can't trust my owner to have our two banknotes. But I am the beneficiary of my husband's banknote. Then my husband is the beneficiary of my banknote.