text:  $5,000 over the annual exclusion amount every year. Well, that's $5,000 net one year, 10,000 the next, 15 the next, 20, 30, 40, 50. It just keeps going, keeps going, keeps going, keeps going. So let's imagine my total gifts to Nick over the annual exclusion amount over my lifetime was $100,000. Let's just imagine that. Thank you. You're welcome, Nick. You're a great guy. It's well-deserved. I gift Nick $100,000 over my lifetime.