But also in the long term, if they want to step back, Is it a business or is it a collection of people in there and their knowledge and will? So thinking about that first kind of most pressing type of risk, what cases have you come across where that's really come to the fore?

Well, we've actually seen one in the last two years where we have a sole trade business built from the ground up.

That individual is the business.

And unfortunately, they suffered a health scare.

Their spouse is involved in the business and knows the business, but doesn't hold the relationships.

They're not named on any of the paperwork.

And actually that health scare has prompted the business owner to think about what would happen to their spouse if that business were to not be there anymore.

That's not necessarily a great reason, but it's been an easy kind of go-to for lots of owners.