 I'll go back to my analogy about insurance. You don't get car insurance after the wreck, right? You get it before. So we want to make sure that you, your family, your spouse, your parents, everyone's taken care of to the best of our ability. That's where David comes in. He's able to take his nearly 40 years of experience here and put it to work for you when it comes to creating this long-term care plan, this health care plan.