 And they were concerned health care expenses, long-term care expenses could eat up a lot of that legacy they wanted to leave behind. So we were able to take a chunk of these dollars as well and provide tax-free benefits for their heirs once they passed away to give them certainty to know how much they're going to leave behind. And additionally, create some long-term care benefits so they knew that Uncle Sam and major medical providers wouldn't be the biggest beneficiary of their life savings.