 I'm a state planning attorney, Hollis Logue, and I want to talk to you about a problem that is in many of state plans that I've reviewed. So here's the problem. Specific gifts. You don't know what that is? Let me illustrate. Specific gift. You want to give somebody a bank account, or you want to give somebody stock. Hey, let's use houses. Let's say we've got two houses, and you own these two houses, and you've done very well. You've got some money, and plus you own these two houses. And you want to make sure your two kids, Ann and Bob, each get a house. Ann likes this house, Bob likes this house. And so in your estate plan, you say this house goes to Ann, and this house goes to Bob. And the rest of the residuary, in other words, what's left over, is split 50-50. Sounds clear, right? But there are hidden problems in this. Let me illustrate. Suppose that for some reason you didn't anticipate this, but you sell Bob's house. You sell it because of, oh, you need money to live on when you're older, or something occurs that you sell Bob's house. And you forget to get back to that estate plan. What happens? The money you got from selling this house goes into a bank account or investments or whatever. In other words, it becomes part of your residuary. You pass away, Ann gets this house, and Ann and Bob split the residuary. Unfortunately, because you named this house as a specific gift, Bob gets left out. You can see the problem, but there are solutions to this. I'm not saying specific gifts aren't appropriate in certain circumstances, but you've got to be careful, and you've got to review your estate plan. Be careful about specific gifts. I'm a estate planning attorney, Hollis Logue.