liz digani of ubs long- term insurance division is here this morning. good morning to you. you're bringing us the break-down on this story. - yes. - why is it that women are paying more than men? - across the board we are seeing long-term care premiums go up. - for everyone. - for everyone, really. but specifically for women, it comes down to two factors: first of all, women are outliving men; and secondly, women tend to require more care, especially in nursing homes. a lot of times when men will fall sick, women will be the ones who stay at home and take care of their spouse. and when they get sick themselves, there's no one there to take care of them, so they actually have to go into nursing homes. - how soon will these policy rates increase? - they have already started increasing and have some differention between male and female prices. but i think it's going to become more common across the board. - what role do insurers play in this? - insurers, and beyond that, financial professionals, have a huge role in this. beyond just recommending the best policy for the individ