And hopefully my kids would kind of at least have maybe gotten to college or I would have saved up enough money for college. So that's why I'm willing to do a term life policy. The other option is to do a whole life policy, where you could pay a certain amount per year for the rest of your life. And at any point you die, you get the $1 million. In a term life, I'm only going to pay $500 per year for the next 20 years. If at any point over those 20 years I die, my family gets $1 million. At the 21st year, I have to get a new policy.