 Second question is, how do we not go broke? And understand, I mean, even though you have not done the planning ahead of time, at the last minute, we can do a measure of Medicaid planning. In our system, health insurance does not cover long-term care needs. But where people make the big mistake is thinking, well, if Medicare is not going to do it, I can spend all the money down. Because Medicaid says we will only help you when you spend all the money down to $2,000.