 Ownerships and beneficiaries are extremely important. When we start with ownerships, you think of something owned in your own name. If it's property or real estate or something like that, it might be owned individually. It might be owned jointly. And there's a couple different joint ownerships. There can be joint tenancy and there can be joint tenants in common. When we talk about joint tenancy, you have an asset where there's equal ownership. It was obtained at the same time. You're on the same title.