 medical costs are not going down. Sure. They're a pretty big portion of what you may need to spend in retirement. So HSAs are a great option for most people. Not all the time. Like I said, it's not everyone. It makes sense to have an HSA plan, but if it does, they're a great option. Okay. Well, what are we going to look at tomorrow? It's Friday. And what are we going to dive into? So tomorrow we'll discuss estate taxes and how it affects retirees.