Thank you, Chair.
I will go quickly to Sandy.
I believe you told a story about a veteran who's put aside, I think you said, about $153,000 so far for his wife, and now I understand the wife is not doing well and will probably not make it. I want to clarify that with the way these pensions work, folks are giving up part of their pension—between 30% and 50% of their pension—every single month, but if their loved one passes before they do, that pension disappears and all of that money is returned. Could I get clarity on that?