 So to answer your question there, that's the way to do it. I think what you also want to consider, we haven't talked about this, Joe, is life insurance. I mean, you've got a young lady there that's going to be dependent on you for at least 18 to 20 years or so. And if you get hit by that proverbial truck, what happens to her? And this is where estate planning comes in that Charles and I were talking about before the break, right, Charles? What would you advise Joe here in addition to that?