Sorry it was a composite quote. Basically my question is although I know that aggregate limit is per beneficiary per state, does it mean that the aggregate limit applies to all account owners for a beneficiary in State X? Meaning if 3 people have 3 different 529 plans for the same beneficiary State X, the combined values in the 3 accounts can not exceed that state's limit, is my understanding correct? Even if you have reached the aggregate limit in State X, it does not prevent you to invest in another 529 plan in State Y, is it correct?