say liabilities, these are things that range from possible a mortgage on a house, to potential income that you earn for the family, to expenses for kids' education and any other debts that you may have as an individual. So if you're the main breadwinner of the house, and you're the main income producer, say making a hundred thousand dollars a year, your kids have ten years before they go to college. So you're going to want to have enough money to provide that hundred thousand dollars a year for the next ten years in addition to money that your kids may potentially need for college. So it's important to have a sufficient amount of life insurance coverage where if something were to happen to you and something could happen in the next minute, because life is short. It's important to have that amount of coverage to provide in the event of that loss so that your family can continue a relatively reasonable lifestyle. Now the reason we do subtract assets is because assets can provide you with some sort of money. If they're liquidated they could potentially provide a source of funds for the family. However, if you've got a house that's worth a million dollars and you have four hundred thousand dollars in equity in the home, you owe six hundred thousand dollars. Now if you were to pass, would you want your family to have to move and sell the house and try to find something for