 I don't want to say at least in your mom's situation, but in her situation, it's just her that she needs to care for. But it's something we certainly need to take into consideration if you've got a spouse and you're concerned about, man, a lot of times we've got some clients who the husband's older and generally speaking, men aren't going to live as long as women. And so this husband is in a place where he might potentially chew up a bunch of nest egg in the event that he needs long-term care.