 by virtue of the fact that Gary and I see hundreds of people throughout the year. So we see so many different scenarios that come up, oftentimes really one-off type things that might be really obscure, but yet you want to be prepared and be able to plan for. So I think that's part of the benefit of being able to work with an advisor or a planner that sees situations like this all the time, and we can bring them up and make sure that you're adequately prepared for them as well.