 Now, you can have a 30-day elimination period or a 60-day or a zero-day elimination period, but what that would do is just increase your premium. So you can have a 180-day elimination period, and that would decrease your premium. So it's just like any other deductible, right? It works exactly the same way. The most common one, again, I see is 90 days. And then you have a daily benefit. And what that means is it will pay out X dollars per day.