 But one thing that I am confident of is that if you're not looking at your health care plan as a part of a holistic plan that includes your investments, making sure you're not running out of money in the down market, includes your income, making sure you're getting the right amount of income you need to not only pay for your normal living expenses, but that health care plan. It also includes the taxes that you have to pay on that income and the taxes that you will pay on those investments.