 Wow. Yeah, it seems so clear why ownership is really a big, big deal and why there can be problems if it's not done correctly. If you wouldn't mind, talk a little bit more about beneficiaries and why they are so important too. Yeah, so you think of beneficiaries. So there's some things you can't own jointly, like an IRA. I get that question all the time. Hey, can I just put my spouse on my IRA with me? And their thought was,