 in a nursing home crisis. So you have that additional protection for healthcare. And this is why annuities are winning, Randy. They're just getting smarter. They know, hey, no one runs out of money and needs more unless they go in the nursing home. So let's make an exception. Let's make sure that annuities, if mom or dad need it, they can get it out without penalty. It doesn't screw up the product. There's no penalty or surrender if you have to take out more if it's a nursing home event. And these are the things that just help them win. And it's why they're beating up on a lot of financial advisors.