 So a lot of times people are like, wait, what? Like, ah, shoot, I wasn't really planning on this. So there's nothing against certain long term care policies. If you have a long term care policy, don't get rid of it. Just because I'm saying that we don't sell them at the office. We happily do complimentary analysis for people. But the reason why it's so important to have a strategy and not just rely on just, all right, I guess I got to buy a long term care policy.