 Insurance in retirement, a huge issue. Medicare issues, Medicare supplements. Do you want to get a long-term care insurance policy? Do some of these annuities and life insurance policies provide protection for long-term care? Many, many issues to come across. And in fact, these are issues that I usually turn over to my favorite son-in-law who's in charge of that department. So right now, we're going to go to Trey Juergens to talk more about the insurance issues and long-term care concerns in retirement.