There are two ways to avoid probate. One is what I call a comprehensive solution, that seamless solution, and that’s using a well-designed living trust where all your assets are properly within the trust and where the plan is maintained for the rest of your life. The other way is what I call a patchwork approach, where we take each asset and we figure out how can that go to the right person without going through the court system. And that’s usually through a sequence of title changes and beneficiary designations. Those are the two ways. I certainly prefer the first because it makes sure that your wishes are actually going to happen.