 And that's the thing we want to avoid. And we can avoid that by maybe working a year or two longer. I may be putting money into an indexed annuity with nursing care because the nursing care is what drained your accounts. Those are all scenarios that we run. And our clients find that as probably one of their most important and most interesting investment tools. We have three or four of those scheduled for this week. And we're going to work on their retirement income maps coming into the office.