 Hi, thanks so much for joining us today. I'm Lou Anne Fulmer here with my friend Mike Stevens. You know, one of the things that's likely to weigh heavily on your mind if you're concerned about your retirement savings is the high cost of healthcare. And it's no wonder because Fidelity tells us a couple might spend about $315,000. This is after taxes on healthcare and retirement, not including long-term care. So Mike, let's go over the strategies that you guys use at Capital Wealth Advisors to help cover healthcare costs in retirement.