Host: Why am I out of control in the terms of an incapacity?
William Conway: Well, obviously an incapacity may happen to any or all of us. It happens by form of accident, automobile accident or otherwise, happens in the circumstance of stroke or illness, happens sometimes because of simply because of old age. We are simply not quite as sharp as we once were and our assets are unable to be directed by us to pay our bills and to do the things we would want to do. We have to have a system in place for some person other than ourselves to be able to pay our bills and make sure that all the things that we would want done with our assets for ourselves or for others, actually happen.