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Supporting my grandchildren and encouraging them in their education and building their independent lives and there is uncertainty all the way around. When people talk about relying on your assets in order to take care of those needs, what youre saying, that is one lump. When you use them, theyre gone. So you have so many risks, including i didnt even Mention Health care risks and uncovered Health Care Cost that is seniors face. So youre using your assets, that is what youve got to protect you against a whole array of risks. Catastrophic risk like a serious need for intensive longterm care is just beyond the capacity of this, this little nest egg, little or moderate or some cases larger to take care of and thats why it is so important we need some kind of insurance mechanism that, to which people can contribute in order to give them, give everybody security. Let me just buil ....