Part of what makes this issue difficult is most of us do have health insurance, we still do. And so -- and so we kind of feel like, well, I don't know, it's kind of working for me; I'm not worrying too much. But what we have to understand is that what's happened to Natoma, there but for the grace of God go any one of us. Anybody here, if you lost your job right now and after the COBRA ran out --