 And if I could just go there, Steve, this is something I see all the time. If somebody did make a gift, oftentimes kids are helping mom or grandma or something, and oh, they made gifts, she can't qualify, and they do nothing. And that's the wrong answer. See a Medicaid attorney, an elder law attorney, because there's a lot we can do. It doesn't mean that they can't necessarily qualify. It just means we now have to account for that gift.