 Do you know how many people I've met in my life that tell me this story? Man, I'm da-da-da-da-da, and they're going along, and life is great, and then all of a sudden, da-da-da-da. Something happens. Car breaks down. They get sick. Their kid gets sick. Their wife gets sick. They have a baby. They get in an accident, and some kind of, you know, disability. And it all ends right there, because they don't have insurance. Why don't you have insurance?