 long-term care payments in the last decade. They're forecasting more to come. So they've offered some options. At this particular point in time, I don't know what the overall state of the industry is, but it's concerning enough that we're wondering if we should, we're not canceling the account, but they offer some reduced options. And I guess the question is, what kinds of things should we be thinking about to make a decision about what we should do?