 All right, and just to put an exclamation point on that last segment, oh, Steve, I don't wanna invest in this policy, and it's just money, I don't know if I wanna spend it, blah, blah, blah, and this long-term care insurance stuff. Well, let's say you spend $2,000 a year, and you invested in your insurance policy for 20 years. Okay, that's $40,000, right?