 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, whether it's a will, financial or health care, powers of attorney, some trust planning, and things like that. Let's get back to those in just a minute. We've got a couple of callers. We want to keep them waiting, so Josh, take it away.