and there's a lo there's a whole industry built up about inheritance tax planning where you actually write something in trust for your dependents, and er that's simple in that if you're in good health now, you can write say a twenty thousand pounds inheritance tax cover, under trust for your children so that's paid outside the estate, it doesn't make the matters worse, and mo most conveniently at retirement it's simple to do because you might pay it on an annual premium or a regular monthly premium, and it might cost you twenty or thirty pounds a month, but at least you can forget it then.