 everyone's doing fine then all of a sudden there's a stroke or a heart attack or some sort of an issue that causes really a medical crisis it's a game changer and all of a sudden one of the spouses would need to go to to the hospital rehab and then maybe receive care 24 hours a day in long-term care community also known as a nursing home and all of a sudden maybe we have to react so you can can you help someone in that situation as well it was just unexpected no one saw it coming but boom we got to deal with it now