 Yeah, yeah. It's been a beautiful week. We'll certainly take this weather. Yeah, no doubt. Hey, we're looking at, of course, we've been talking about estate planning. Yesterday, we reviewed the importance of some of those key estate planning documents. Today, I know you want to look at the importance of ownership and beneficiaries. If you don't mind, let's start with the importance of ownership. Tell us a little bit why that is so critical.