 And even though they're both very smart and intelligent, I'm not comfortable leaving them with that kind of money in those type of decisions. So I have a trust that limits their ability to make decisions on their own intentionally. I have a trustee. Also, I have two businesses, Retirement Income Strategies and Madison Money Guy Incorporated. And so for the protection of my staff and my clients, I have to have another document, a trust that lays out exactly what happens in the event of my death.