 No question. So folks, if you want to start the conversation, and we understand long-term care, it's probably not one of those subjects you're just rushing in to talk about, but it is part of that retirement income plan that Dave, Jonathan, and the team at Altmyer Financial work through with you because you have to have income. You look at your investments. You know you've got to pay taxes in retirement, not just now but into the future. You've got health care and long-term care and legacy planning. They'll work on all of it with you.