 So let's go to Janie first. So YouTube viewers submitted a question. And if you're not watching our YouTube channel, you better check it out. We got our podcasts over there, all kinds of great content. Just check it out at Howard Bailey. That's where you'll find our YouTube page. And so this is what Janie says. Janie's asking about HSAs, health savings accounts. Love them. Janie says, my husband is turning 65 in October. Can we still contribute to his HSA? Well, that's a great question. And Casey, we love