Yes, I think that's true. My advocacy is for that kind of prudent advance planning.
If I can go back to your first question to Mr. Ramos, I think my first main point addresses that question directly. The one-year term for insurance right now imposes very substantial risk on low-income families. By virtue of having one-year insurance, the major cost increase they might experience in a second, third or fourth year of a visit would be a very substantial increase in the insurance premium they need to pay. That's exactly the kind of risk I'd like to mitigate so that people know right from the beginning how much they need to pay for the entire length of the stay.