 you know it's 25 grand a month for their care and it's really really expensive and so like i said the really rich are fully self-insured because they have enough money and income that they can pay for that themselves and then medicaid pays for the people that can't pay you know the facilities aren't great but everybody in the middle it has this risk and it used to be the answer to this problem was to buy long-term care insurance well long-term care insurance policies were really generous and if you own one that was bought prior to 2003