 And I use the dementia scenario because, first of all, I have personally dealt with this in my own life. It was Alzheimer's, not dementia. But I have other friends that have had dementia in their life, and I'm certain many of our listeners have had this as well. And so the scenario I shared is that I get remarried. I name my new wife my beneficiary. We live a long, happy, healthy life. I die.