 But AARP does say, Dave, that most caregivers are women in the United States. Yes. And again, women outlive men. And it is a factor that you have to consider when planning. And you talked about it. And what if that caregiver passes away before the person that's being cared for? But also, you don't want all of the money to be used up by the person that's having that long, convalescing time in long-term care to just take all the resources so that the person that's still surviving has nothing to live on.