 And Charles, I mentioned a will. A will does not avoid probate. A will is really your instructions to the probate judge as to who gets your assets. So the only way to avoid probate is to have things passed directly by beneficiary or through a living trust we talked about. Joe, if you want to hang on after the break, there's a little bit more we can discuss on this. And I see Bill's on the line as well. We'll catch up to you, Bill, right after the break.