 And so as you work through, especially as we were talking about the care plan there previously, one of the things we always have to address once we decide, okay, we're going to do an exercise here to figure out what exactly we need, but also how are you going to pay for it? Is it coming out of the savings? Is there long-term care insurance involved? Maybe you chose to do a reverse mortgage or you've got VA benefits or if the family is just going to take care of things. And one of the most critical things to consider is,