 and investing it for your future so that you've got a sum later waiting for you. Or you can pass on some of that risk to something like an insurance carrier. So the use of long-term care insurance can be very helpful. I really like the federal long-term care insurance program. Unfortunately, it's not open to new applicants still. But anybody who's in there, I think it makes a lot of sense for people to really consider continuing to pay those premiums because if we look at the cost of health care,