 Is it going to be there for me? Is it going to be the same for the rest of my life? And the answer is, I don't know. Nobody knows. So then people naturally just started thinking, well, I'm getting older. I need to possibly have some kind of long-term care. Should I get it? And that's always a big thing that we address when people come into the office. And maybe you're thinking, okay, well, so I'm 44.