It's ok if you don't, and you can shrug it all off even after the i's are dotted and the t's crossed. But if something happens to me and-or Pep, I'd like to make sure that you and Morgan are going to be ok. Peter too.
Not that I expect it to! Just-in-case scenario. Also because I'm getting old and arthritic. My desk drawers are full of hot and cold packs.