There was actually a time when I was an insurance agent. I had a client come in, and it was actually one of the hardest ones for me, because I was still starting out as an agent. And by the book, I would usually try to stay by the book. Long story short, her husband passed away, and she was not the account holder, policy holder, and she was trying to cancel because we were still taking out money out of her account. And she didn't have no power of attorney or anything. So I suggested to her to try to obtain a power of attorney, and that way we can get it done legally and without jumping any red tapes. That was the best advice I could actually give her at the time.