 to help you navigate those waters. People will say, oh, I don't need to worry about long-term care because Medicare will pay for it. No, they won't. Now, they'll pay to have your toenails clipped if you're in a long-term care community, but they're not going to pay for your room and board. So when you're dealing with a Medicare agent and you're looking at Medicare Advantage, talk about, ask about, are there any other pieces I should put with this to make sure I don't have any nasty surprises? I'm telling you.