 I tell people I went into the two certainties of life, death and taxes, and they affect a lot of people. And so you certainly need to have that plan. But honestly, the ideal for me for clients is to actually come up more with a life plan. It's simply a death plan. Yes, that proverbial bus might get you tomorrow. And so we've got to have a plan. We shouldn't be naive. We shouldn't try to avoid the situation.