 And that is really the benefit of doing planning is to look at, as you're talking about, what your expenses are, what you want to do, what you need to do, planning for long-term health care, all the contingencies might come up, taking vacations, buying cars, all that stuff. And then how much cushion do you have? And then the nice thing to do is to be able to give some of that money away while you're still living and see the fruits of that. And that's what really planning is all about. Unfortunately, many people just don't know what they can do.