 So I want to do a deep dive on long-term care because I think long-term care is one of the big three risks for families right now. The big three risks, I think, are market volatility, market risk, especially if you're around retirement age because you have to worry about sequence of returns and you don't have as much time for that money to make a comeback if the markets were to go down. The second big risk, and we've been harping on this for the last couple of years as we've watched this debt bubble continue to grow, is taxes.