 you always hear, if you fail to plan, you're planning to fail. And you heard that when you're doing your financial plan, when you were doing your medical and so on and so forth. But it's the same thing that plays with your care management. And when we get over 65, 70% of us are going to need help with long-term care as we grow older. And we have to accept that. What is that going to look like? Are we going to age at home? Are we going to age in a facility? Are we