We’re talking about whether only rich people need trusts. This is a common conception, it’s a misconception out there that rich people are the only people that need trusts, and it’s absolutely incorrect. The people that need trusts are anybody that have in the aggregate, so total amount of assets, over $150,000. If you have over $150,000, you will go through a process called probate and in order to avoid probate, you must do a trust. You must sit there and draft a trust and then transfer the assets into the trust. That is the only way, not the only.