 how these things work, what happens to an IRA owner at age 73, who could be a beneficiary. There's five different designations of who could be the beneficiary for your IRA. And we talk about how that works in this flowchart. I'm not going to cover all the information in this flowchart. It's actually quite detailed. It's a two-pager. And we also cover the different uniform lifetime tables for single and married based on age, regardless of the age of you and your spouse. If they're not even remotely close, that's affected.