it's not tennell oreason there is trouble you. could consider some things for the tax code. none are magic bullets. since we have a saving need and a long-term care financing need, you know, products that combined annuities with long-term care insurance, innovative financial products that are favored by the tax code might be part of the solution. and, you know, if you go back to the literature on how do you get people to save or buy health insurance, you could have opt out. start with a private long-term care insurance as part of a package and then opt out of it if you don't want it. so none of those are in and of themselves fabulous. none of them are in and of themselves solve it, but i think all of them merit some consideration. >> senator corker, it's not that i don't like private long-term care insurance. >> i was going to ask you about public in just a second. >> i'd be happy to talk than as well. it's not that i don't like it. it's that it is and doug has couched his suggestions, suggestions. it's a neutral term advocacy. in terms of recognizing that it's part -- it's