 And then let's say that you get the benefit of that policy spending, paying out all of that money, a couple hundred thousand dollars. Then you're going to need Medicaid at some point in the future. You need long-term care. And you're able to hold on to $200,000 plus the normal state number of $2,000. So you're able to hold on to $202,000. Do you realize that you invested $40,000 to protect $200,000?