 long-term care somebody needs to go into a long-term care facility that is the biggest risk for most sort of middle americans uh you know middle uh income um you know most people that have sort of that middle instead of being really rich or really poor you're in the middle and you're retired comfortably but you're not filthy rich that one of the spouses goes into a long-term care facility uh and that and that care gets really expensive really fast i mean the clients that