 And also, by buying life insurance, the downside is I have to pay a premium to this insurance company forever. But the upside is it gives me permission to spend all my retirement assets without worrying about leaving it for my kids because I know that absolutely positively the day I die, this amount of money is going to go tax-free to my children. And you may or may not like that concept, but as an independent retirement planner, it's our job to bring these solutions to the table.