 The planning was hopefully done five years in advance or more than that so you can retain assets or have the proper policies in place. Because when you do run the risk of never leaving a nursing home, you do run the risk of losing most of your assets that you've worked so hard for. So you've got to have all this factored in and planned for way in advance. And I hate to say, you have to assume it may happen to you because the stats have become pretty high now. The older we get, you may be one of the stats that need it.