 And all of us are going to lose some of our money to uncovered medical long-term care expenses. We know that, right? Deductibles, co-payments. But a few of us are going to get wiped out in the process. So when you look at what is the probability that I will be dealing with one of these negative outcomes that I'm hoping to avoid, like the plague, that's a whopping 90% plus. And we spent our lifetime...