So let's just think about -- think about if you lost your job right now. How many people here might have had a preexisting condition that would mean it'd be very hard to get health insurance on the individual market? Think about if you wanted to change jobs. Think about if you wanted to start your own business but you suddenly had to give up your health insurance on your job. Think about what happens if a child of yours, heaven forbid, got diagnosed with something that made it hard for them to insure.