 Good. Okay. So all of the timing questions that we're answering today apply to the person that didn't necessarily obtain their Medicare benefits because of their own work history. That's kind of where that comes from, that question in particular. So let's move into the next slice of the pie for today, which is number three. How confusing is the process and when should it start? Okay. I thought you were going to say it depends. It does depend.