 80% of the people took health-based long-term care and they paid four and five and six and $700 a month. And those are the premiums we're talking about that are changing. But today, if you look at life insurance, index ULs, nursing riders that are added to indexed annuities, those are all asset-based long-term care plans that provide a form of nursing care. And they send you a check. If you can't perform two of the activities of daily living, like the gentleman I was talking about,