 For both of you. Now, let's say that Mr. Doe passes away after 5, 10 years, whatever. Well, guess what? Ms. Doe is still going to be receiving that $40,000. Let's take it back another piece. The other part of it is, let's say that one of you end up having to go into a facility such as a long-term care facility, nursing home, assisted living, in-home, whatever, that amount's going to double, $40,000 is going to double to $80,000 for up to five years to help offset that cost.