 like identity theft, cell phone bills, internet bills, all kinds of different things. What about long-term care costs? Most people aren't thinking about long-term care costs in their 40s, 60s, 70s. Let's start thinking about it a little bit. So again, inflation is a very real force and a very real factor referred to by many as the silent killer or the silent tax, even though it's not so silent. It's really obvious. Now,