 And I think that is the challenge of estate planning. That's a real challenge of estate planning is trying to figure out how are you going to structure your estate planning so there's some costs involved, so there's a vested interest that the kids have when they receive that inheritance. And I know for us, a lot of what we're doing as a cost to the kids means they have to work for it. There's different ways that they have to work for and earn those distributions over a certain period of time.