 You know, I have the answer to this, but for some people, when we talk about their nest egg, that is really what the nest egg is for. They don't really need the money now, but that is sort of their long-term care insurance policy. It's a sad situation. I wish I had a better answer to that, but this is the reality for most of you out there listening. That is your biggest financial risk because the spouse gets left with $2,000 in cash, a car, and the house, and that's it.