 And they might say, yeah, I remember you talked about long-term care in 2023. I just thought it was too much money. But now the costs have doubled, tripled, right? So let me tell you something. Costs aren't going down. If this is something that you want to get into place, you should probably look at the different options now because nothing's getting cheaper with time. Things are only going to get more expensive. And the same guy that was kind of kicking his own butt for not doing it in 2010 said,