 And so we want to get creative with our ability to fund that, of course. We don't want to underestimate and then not have the funds to be able to cover those costs. So that's part of our strategic planning process as well. Insurance, that might not be what you need. Of course, it's something we can take a look at. But planning to have those dollars available for when we reach that stage of life, that's more along the lines of what you can expect to see from us. We'll have a plan that considers that as the overall goal.