 So it kind of covers several things. So are there other options? Yes. Are those options typically as good as long-term care insurance? Probably not the same type benefits. Right. But typically, Luann, in my opinion, it's easier to qualify for those. So if you've ever looked into it and it's too expensive or you couldn't afford it, there's some other options we can look at that's more reasonably priced and has some retirement benefits with it.