 So talk about strategies that you help your retirees with to help cover health care costs in retirement. Well, you know, we talk about that and they say, well, should I have long-term care insurance? I say, well, if you can afford it, great. And if you got it 10 years ago, typically, right? Yeah. But it is expensive. And they only want you if you're healthy, in my opinion. It's true. And if you pay a lot of money in long-term care insurance, and then if you don't use it, that's just money you threw out the window. Right.