If a client says "I don't need LTC because if I ever get like that, I'll just shoot myself" (or kill themselves in some other way). And they're pretty serious too. And I'm not just saying they respond this way simply because you brought up LTC out of the blue. Let's say you actually gave a thorough presentation on retirement planning, with LTC planning included. So, when you eventually get around to the LTC planning, that's how they respond. How do you respond to this? Have you heard this from a client?