 If I pass away, then my spouse owns it. Great. That's a good thought. It's called an IRA because it's an individual retirement account. You don't own a 401k jointly either. So you look at those things and say, well, how do I get that? How do I make sure that passes to my loved ones without a lot of hassle, without a lot of time and energy and expense? A beneficiary designation can do that. So then you look at, well, what does that mean? What's a beneficiary designation look like? Well, it could be