 They can, Dave, and they can mount to an actually scary amount because there's a lot of statistical research on this, but the average couple over the course of a retirement is going to spend in excess of about $300,000 out of their IRA or savings solely for health care. And I guess the part that concerns me the most on something like that is these numbers are based on the average usage. Well, what if you need to go to the doctor more than what the average usage is?