 Are you comfortable? Do you have a budget to go out of pocket? Because see, understanding that this pointer can have a domino effect. If you haven't considered the fact that you're going to have new aches and pains, and do we have a plan to cover the cost of this until you hit Medicare eligibility? That's what we're talking about is understanding that if that does happen, we need a plan B to address the out-of-pocket cost for supplemental insurance until then.