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Thank you very much. This is to Dan, I don't know if you're still listening or not Dan. We just went through this and we actually got a line on some long-term care insurance and we had to promise we were Christians, but we've got a pretty good deal. When we thought about it a lot longer and harder we said, you know what, If we can afford to pay the premiums and at our age it they are very expensive Then why can't we just put that away? Instead and so we are self insuring we're self insuring on a bunch of things who made this we both work for insurance companies our whole lives and or most of our lives and We figured out that we could put enough away just by self-insuring insurance, then rather than giving it to an insurance company or a long-term health provider because we've both been through the long-term health provision with our parents and we have a good idea of how much that costs and stuff like that and so we just started putting money away for on the side for ourselves. So it's something to think about. This is KC2. BKG back to you. Thanks for letting me comment.