text:  In the past, we actually saw financial plans only going to like 80 or 85. And now that's the new norm is to live past that. So we always like to make sure plan for the worst, hope for the best, reverse engineer that and say, what if you or your loved one is going to need some long term care? Where are we going to take the money from? And I'll just give you my opinion right now. And it's just an opinion. But I do not like long term care policies for the reasons that a lot of times it's a reimbursement from the insurance company.