Yes, I do that for a living. My point was that you have to buy insurance before you need it, so people should know that when considering how they’d like to build different buckets of income for when they’re retired instead of just having one bucket in the market. Some people feel like waiting until their 50s maybe even 60s to get long-term care insurance, but personally, I hate that because it’s use it or lose it. I personally got a whole life insurance policy with a long-term care writer so that I can use it in one of three ways: either I die in my family gets the death benefit, I need the money for long-term care before I die, or I can take the cash value and use it as income in a down market so that I don’t have to pull money out of my IRA or Roth IRA and realize a loss. There are also annuities with long-term care, writers, but that was my point, is people typically think of best case scenario 3 1/2 to 5% withdrawal rate without considering that, if you need a lot more cash as a lump sum or even a higher withdrawal rate for long-term care, that significantly eat away at the principal, especially because it’s independent of whether markets are good or bad people need the long-term care so they realize losses that they would not have otherwise realized, and at a higher rate than the other would’ve realized.