 And you think about trying to predict the future. Who knows if your kids are going to need those dollars or not, what income situation they're going to be in or not, or your grandkids. But you could set it up where they could potentially disclaim to their children where they say, I don't want that asset right now. I'd rather my kids get it. That can all be done through beneficiary designations. If you don't have it set up right, that's not going to be an option. So when it comes to the ownerships and beneficiaries,