 So it is time today, Phil, to take some questions again from our mailbag and have you answer them on the air, okay? Okay. All right. Here we go. The core financial mailbag. Here we go. Joni, she asked this. Is long-term care insurance the way to go if I'm worried about coverage for that, or are there other options to consider? Well, there are other options. I think it's great if you can afford it and you have long-term care insurance.