 is destitute. It can mean that stuff you worked hard to save for doesn't go to your kids. So in that situation, we use what we call an asset protection trust, and it's designed to protect those assets that you're not spending in retirement. Things like your house, or maybe you, we talk about people work too hard and they save a lot of money and they end up not needing it all. You know, what can we do to make sure that that money stays in the family and it's not lost because of a long-term care issue?