 You know, we talk about the different types of Medicare plans you can enroll in. We talk about the proper timing of that, the penalties associated with not doing it on time. We talk about managing your income so that you're not paying premiums that are much higher. But oftentimes we don't think about things like this. And, you know, a lot of times, kind of like you said, Gary, with your uncle, it takes a personal experience before we really dig into something like this. It sure does.