 not able to do all the things that you wanted to do in terms of helping your beneficiaries or charities during your life. And those are all important pieces. And that really gets back to kind of the importance of planning and then also the importance of estate planning. What I find fascinating, I was reading an article the other day that approximately about 26% of Americans have some type of estate plan in place, which is just kind of shocking for me that people don't have just the basic documents that you need