 So it's kind of wild. And I think there were some reports that were done a few years ago that indicated roughly one in two people are going to need some sort of long-term care. So look, if you're married, there's a chance that it's either you or your spouse. And how does that leave you if it's you and then your spouse is left without any assets? So look, our job is to really just talk about what all the options are out there. And you have to decide that for yourself. And I know I recently had a conversation with a client