 And you'd say, well, how is that? Well, because you owned it jointly or individually, excuse me, instead of jointly. So what happens? Well, if you have a will, it'll go through probate after it goes to your will, so it'll be streamlined, but it'll still go through probate. If you don't, it's going to go to your spouse most likely anyway, again, but you have made that complicated, you've complicated that process enough