 If that's not something that you've had a conversation about as part of your planning process, then, well, you've fallen short of having a comprehensive plan. And it's a conversation I was having with a potential client just the other day. How do we estimate these health care costs? There's some unknowns, of course, but there are a lot of resources out there that you can even access yourself on the Internet that will help you calculate what that expectation might be for private insurance. What about insurance?