 And I keep mentioning five years because of the five-year look-back. When I first started doing this, it was a three-year look-back. Three years for a long time, forever. And then in 2006, that changed, and they moved it to a five-year penalty period. So that kid says, you can do the gifting, you can transfer trust, but you can't wait until you're sitting down at the admissions desk in the nursing home to do it. You've got to get a plan in advance. So any gift made within that five-year look-back counts. And if I could, just go there, Steve.