 Just do some quick math. If your gifts add up to $75,000 over the last five years, divided by $7,500, that's a 10-month penalty. And so the way that works is you would otherwise qualify for Medicaid, but you have this gift, so that has to be worked off, basically. So for the next 10 months, Medicaid won't pay for the majority of the cost of your stay in long-term care in a nursing home. And then after that, then Medicaid would start paying