 Right now, long-term care policies, a lot of them are, if you don't use them, you lose them. You've paid all of these premiums out, and we never use it. And what happens to all the money that you've put in? Well, it's just sunk cost. It's money that no one ever sees again. And of course, you take it out because you don't want to lose the family farm, and you need some money there to help you pay for these expenses that could quadruple or even 10x over the next 20 to 30 years.