 receive care 24 hours a day in long-term care community also known as a nursing home and all of a sudden maybe we have to react so you can can you help someone in that situation as well it was just unexpected no one saw it coming but boom we got to deal with it now yeah so you know if and they had done no planning absolutely there's things we would do but this is what we tell our clients when we're doing the estate planning when they're still healthy right yeah we're just doing regular estate planning you know maybe they're in their 50s and you know long-term care is a long ways out there right they think it's not going to happen to them