 It's the best retirement plan, checks the boxes of as many what-ifs out there as we can. Long-term care has got to be one of those things, or even home health care. Social security reduction has got to be one of those things. Increasing taxes has got to be one of those things. So when I design retirement plans, I'm trying to check the boxes. Do we have a contingency plan? If this happens, then what? And health care is one of those things. But the good news is there are lots of tools, and there's so much marketing that goes on out there.