 Well, you have to have an advocate. It's so confusing. It's like doing your income taxes. If you just file the short form, you can do it, and you might get money back. I haven't been able to do that in years, and that means you've got to go hire somebody to help you figure out how much you've got to pay the federal government. And it's so complicated, and that's where health care is now. I agree.