 So that's reactive versus proactive. I would be proactive and take care of this if you can. And you know what? Sometimes things happen. Everyone's doing fine. Then all of a sudden there's a stroke or a heart attack or some sort of an issue that causes really a medical crisis. It's a game changer. And all of a sudden, one of the spouses would need to go to the hospital, rehab, and then maybe receive care 24 hours a day in long-term care community, also known as a nursing home. And all of a sudden, maybe we have to react. So you can...