Medicare 2027: What’s Changing & What You Need to Know

SPEAKER_01 0:00

Welcome to the Boomers, Bucks, and Bling Podcast, where we turn retirement planning into a bit of a thrill ride. I'm your host, Carlos Fateri, and each week we'll dive into everything from reverse mortgages and staying put in style to Medicare, Social Security, and Home Safety. But wait, there's more. We're not just going to talk all about money and business. We're going to add some sparkle, some bling, as we chat with travel pros, party planners, and a lot of different topics that's going to help you make the most of your golden years. So grab a cup of tea or whatever it is you want to drink, get comfy, and let's make retirement planning an adventure of a lifetime. Welcome to this edition of Boomers, Bucks, and Bling. Today we have a repeat guest, and that uh Keith. And Keith knows all about Medicare and uh rules. And we had a lot of changes last year with Medicare with the Big Beautiful Bill. And then this year there are ongoing changes. So uh with that said, Keith, uh, welcome to the show again. Thank you for joining us. And thanks, Carl. Tell us all about the changes.

SPEAKER_00 1:01

Well, I appreciate the invite again. Uh, regarding the changes, you know, the big thing with the big bill, big beautiful bill, was that everything was put into place to start around the 2027 mark. I mean, there was the time to get people ready for what's going on in the bill. So I think what we're going to see most and foremost is part D premiums and stabilizations after 2026, which means come new, you know, we go into AEP, which is annual enrollment period for Medicare in October. And it runs from October 15. October 15th through December 7th. And in that time, this is where people are at Medicare Advantage, um, you know, pick their pick their programs. But mostly what uh Part D premium is going to affect is those that have standalone uh Part D plans. Most of the people have pedit Medicare supplement because these are the ones that have to pay for their plans.

SPEAKER_01 1:50

When you have a plan normally on the Medicare Let me interject to the Part D Part D is the prescription dug prescription drug plan, correct? Correct. That's what you're talking about. Okay, go ahead.

SPEAKER_00 2:03

So just so we have a cloud, you know, clarity. Um, every annual enrollment period is the time we can change plans. And in particular, it's part D time for all those that have standalone prescription drug plans. So there's been big changes to that plan. It's called the Part D premium stabilization after 2026. And from previous, um, all the providers uh were given additional federal support to insurance to reduce sudden increases and and wide differences in premiums, while companies adjusted the changes in the Part B benefit. What that means is in the past, the federal government was giving subsidies to the carriers so that can reduce the actual premiums to the current Part D recipients, those that are on supplemental plans. Okay. So we can get a supplemental plan. It's it's not a requirement to get Part D, but it's actually good advice because if you don't get a Part D, which is prescription drug plan, um, you could get hit with a penalty when the time comes if you have to ever use the plan. So for 2027, insurers will uh will see 2027 premiums with some extra without extra support. In the past, we've had uh subsidies that were basically four part D plans. So some will pay more, others there's gonna see no change. Now, according to CMS administrator Dr. Oz, he has stated that the premiums would increase by $10 for most beneficiaries and would decline for some. I don't know how we're gonna how that's gonna work yet. We don't know that. Those numbers seem awfully um low in what people are going to see based on what I've seen. Um for 2027, premiums and individual plan details won't be out until September, so we don't know what the changes will be until then. You know, there are probably about 25 million seniors that are enrolled in a Part D plan, which is a standalone. And this kind of plan is not an elimination of Medicare prescription coverage. Uh I've heard that a lot too. What are they doing with Part D? They're going to go away with Part D. And it's not going away with the plan, it's really going away with the basic uh call it a subsidy, where the plan payments were very low, premiums were low, like in the average about $25 or less a month. And that's because, again, of subsidies by the federal government allows, you know, allows the beneficiaries not to pay the full cost of these premiums, but also not have to pay full cost of their medicines by being on a Part D plan. And these changes that the system used to help stabilize the monthly premiums are going to change this next year. So starting next year, we're going to see some increases, as they say, possibly $10 or more, and maybe for some none. We don't know that yet. The effect is not the same for every beneficiary, such as with um Medicare Advantage prescription drug plans or MAPD plans. Those plans are inclusive. There are no um there are no premiums to those plans if you belong to a Medicare Advantage plan. That means you have your A, B, and C, you get everything under one roof. It's not a supplemental, it's more of an HMO plan. So you have your you are in a specific group of providers and your your prescription drug plan is paid for, but you still may have co-pays. Not not in every case, though.

SPEAKER_01 5:16

And again, so we're so we're talking about um A, B, C, and that, and now D. Maybe we'd take a minute and just explain because again, you know this stuff like the back of your hand, I'm sure. Maybe not all our audience does. So just briefly talk about A, B, C, D, E F. So it is Z, I would imagine.

SPEAKER_00 5:34

We talk about yeah, we talk about A, B, and C. Uh A is a hospital, that's your hospital benefits. B is your uh diagnostic and doctor benefits, and that's where you have a deductible. So, and that could be for a durable medical equipment as well. And it also pays for off-site uh kinds of prescriptions that you may go to the doctor for, but you go in office for an injection, an infusion, uh, chemotherapy. Those are different types that could be paid by part B as a boy. Part D are the kinds of medications you would take home. You take the medic you self-medicate, you get the prescription, bring it home, and you follow the doctor the doctor's directions. Those are the prescriptions we're talking about, the ones that you take home. And the changes in the cost and the changes in the formulary. Okay. So again, um these effects are not the same for every individual because every individual is not on the same formulary. Every insurer has a different formulary, what they have as far as prescriptions in their uh how do I say in their um in their portfolio, if you will. They don't carry every prescription that's out there. Others charge more for for some than than than others might have a copay for.

SPEAKER_01 6:45

Now, what happens is, you know, so plan plan D is separate from Medicare. It's something that you buy and pay for independently.

SPEAKER_00 6:54

That is correct. Is that what you're telling us? It's okay. You know, they call it a voluntary um program. It's and if you don't get the program, you could get dinged with penalties for the rest of your life if you don't pick up part D when you turn 65 and need a plan for Medicare. But that is separate and apart, and you get that if you have a Medicare supplement plan, which would be your A B and your GAP. It's called Medigap. It covers the 20% of a Medicare plan. A and B cover 80% of your plan. So, for example, you go to the hospital and you end up uh the simplest is you go in for a stent and you have to have a stent put into one of your arteries and say it's $100,000. You would be on the hook for $20,000. Now, if you have a Medicare supplement plan, that will pick that up. The only thing you'll pay would be the Medicare um deductible part B, which I think uh it's $274 for next year, I believe. So that would be your only deductible you'd have to pay if you have a Medigap plan. Okay.

SPEAKER_01 7:56

So the key here is get a Medicap plan, no matter what it is you you you're you're thinking, you want a Medicap plan.

SPEAKER_00 8:03

Absolutely. You don't want to just have you don't want to keep that gap open because that's there's a lot of money. It's not just $100,000, it could be a lot more than that, depending on what the you know your medical condition is, etc. But given, you know, given the current state of affairs, it's it's best to have insurance than not have insurance. And if you can afford the insurance, especially if a Medicare supplement, you should get it. And you can't afford Medicare supplement, then you get Medicare Advantage. And that's a different kind of plan. But then what we're talking about here, part D, wouldn't affect these people as much as it would people that are on supplement, because Medicare Advantage plans cover A, B, and C. So you have your Medicare A is your hospital, B is your doctor, D is your prescription drug plan, and then C is called Medicare Advantage. I know it sounds confusing, but you get a card, you get a card from Medicare. Your first part is hospital part A and Part B. And if those are covered, uh you're covered 80% of your entire health insurance. Now you get a gap plan, which is a Medigap supplement plan that will cover the 20%. Or you go and get a Medicare Advantage plan, which is an HMO. Basically, it is a plan that you go under your physician and he refers you to the different doctors. So what we're talking about here for 2027, just so we're all on the same page, is that the 2027 will really affect people that have a standalone prescription drug plan. Okay. That is something different than if you get a Medicare Advantage plan, because most Medicare Advantage plans will include part D. That's why it's called MAPD, Medicare Advantage Prescription Drug Plan. Okay. So what we're seeing, um, based on what the the current administration is saying, that there will be some in increases and and some people won't see it at all. But with the subsidies gone that were being paid prior, the results can be higher prices with the same plans, which means you may have been paying $40 a month for a Met Part D plan. It could go up to $50 or 60 or higher, depending on what plan you're on. There are plans that are at zero dollars. Um, and if your prescriptions are in that plan, I would recommend taking those kinds of plans. But if all your prescriptions are not in that plan, you really have to weigh what's you know, what's the best plan for you. And that's where a Medicare agent comes into play to give you access to what how that's gonna play out for you and what your total costs will be. You know, it's uh it's not so simple just to go in there and take your um you know, go in there and apply for your your insurance and just think it's gonna work out you know just fine because there's changes all the time.

SPEAKER_01 10:51

So so C kind of is the inexpensive part of the program, and D is optional because it gives you better coverage. Is that what you're telling us?

SPEAKER_00 11:01

Um well D uh it's not that it's not so much like that, Carl. I mean, you could say that uh Medicare Advantage is less expensive. Um there are some caveats to that. You know, you do have a maximum out of pocket, it can be as high as nine to twelve thousand dollars or less. But you know, you're you're still you're stuck within a group of doctors that you can go to. Yeah, Medicare supplement, you can go anywhere in the country you want. And I mean that. You could be living in California and you can go to a doctor in New York, you have that access. You don't have that same access if that doctor is not in the plan in Medicare Advantage and you go outside the network without getting approval, you're on the hook. You call out a network, you'll be paying for that. So there is a you know big fundamental difference. And what does that cost? You know, average plans for Medicare supplement, depending on the state, can be anywhere from $115 to over $400, depending on what state you live in. And there is a big difference. Um, Medicare Advantage plans, it's uh dictated by zip code as well as part D. What zip code you live in will determine what plans are available to you by what carrier. Not all the carriers that are out there are in every single zip code. So that's one of the issues as well. So that's why it's important to also talk to a Medicare agent to understand more of the changes and what actually you know you're looking for as a plan. So I just want to get back to one thing though, when we talk about the changes right now. For 2027, one of the big changes is this part D with uh the change of subsidies that are going away, if you will, as has been stated. And it's people have to be aware what they may be paying more for their premiums next year, and they may be paying more out of pocket. Their uh our annual deductible, which is $2,100, stays the same. They didn't take that away. That's staying the same, okay? But you know, uh beneficiaries have access to lower cost plans, but it's really location, which I mean is by zip code and prescription dependent. So it's a little bit of a caveat because you do have access to lower cost plans, but you have to you have to find out what plan works for you in that zip code and what is your prescriptions on that plan. Those are two very important things.

SPEAKER_01 13:20

So we don't all take the what if you're you what if you sign up for the less expensive one, you're you're you're all fine, it's covering all your prescription drugs, and then all of a sudden, oops, something else comes up, and now you have a whole different set of prescriptions. What happens there? Are you on just on the hook for it so you can change it next October?

SPEAKER_00 13:40

Sometimes you can call the um the actual carrier to get permission to do what's called a um formulary exception in those kinds of cases, um, because it's it could be in the middle of the year, or they may do a step down to find a different drug that's less expensive, is another way of doing it. So you're not always on the hook. Uh, it just depends on what your situation is, but it's always important to open, you know, call customer service, call your agent as well, because they may be able to help you in looking at the plans that you have and see, you know, who they who you should talk to right away if there's some changes in your current, you know, prescription plan. And I do have a client that's happened to, and she was able to get all of her prescriptions paid for. It happened to her in the middle of the year. She works with one of, you know, I signed her up one of the bigger carriers, and it turned out that she didn't have any more co-pays, and they accepted her plan on these new prescriptions that her doctor gave her. She's got a specific disease, and uh it you know worked out for her. It doesn't work out for everybody, but it's you should call the the the carrier and call your broker to see if there you have to make any changes.

SPEAKER_01 14:46

Yeah. From what I understand, and I I know you're a broker uh and and you're on on on this call, but I think it's really really important to work with somebody when you're when you're trying to make these choices because the the cost of surgeries and diseases are are just out of control. I mean, it it can really put a little hitch in your lifestyle through retirement.

SPEAKER_00 15:08

Well, you know, I I say it and I don't say it for my sake. You know, you don't if you don't want to talk to me, there's plenty of people out there. But what I do tell people is exactly this is really complex. And if you think you can do it yourself, be my guest. And I'm not being trying to be rude about it, but you know, that means you have to go through Medicare, you have to get online, you've got to sign up for A and B. Um, you have to understand what you're actually signing up for. And there's a lot of caveats, and you know, you you know, when you sign yourself up, you don't how many people you know sign themselves a car insurance car insurance and read the entire car insurance policy? I'll bet not too many. Nobody, and then it's the same thing in medical. I bet it's zero. You get your card, you know, you get a hospital card, and then the next thing I get questions is how come on this I can't, this is no copay, or how come you got me a dental policy, but they only pay 25%? And I say, Well, you didn't read because it's the first year they only pay this much, or your prescription, you know, for a part D, they will pay this on this prescription. But if you switch it out for a generic, this is what they will pay. Do you, you know, it's like paying attention, you know, these are the rules. So it, you know, it's pays to have somebody help you. I mean, that's what we're licensed for. I mean, we're on the hook, you know, we have to be, you know, outstanding if you have a fiduciary trust out there. I mean, as far as giving people the right information and it's and it's all HIPAA compliant. But I mean, my job is to help people make the right choices. You know, if you and I stress this all the time, I I say this, you know, to people, it's it's like, well, they say, what do you think? Should I have Medicare Advantage or Medicare um supplement? I'd say, to be honest with you, I can make more money selling a Medicare Advantage plan. But that's not what my drive is. What is the best plan for you based on all these parameters? And if you tell me that you're comfortable within your own group of Medicare of doctors in this in this particular group, then take it. But if you have specific issues and specific specific concerns, or you know, you have health issues in in family history for cancer, I would really strongly go with a Medicare supplement because it's going to give you access that you didn't have before. It's going to cost you per month, but it's just like car insurance. You get you have to get insurance to cover yourself. And it's important.

unknown 17:22

Yeah.

SPEAKER_00 17:22

And it's it's if you want to be covered, I think it's important to talk to a broke, talk to a broker to figure out what how to be covered the best way you possibly can. Because every year these things change. We get notifications. I see them in the news like anybody else. I mean, most recently, you know, uh, there's a current policy that's out right now for GLP ones. Uh, Medicare is paying up to $50 a month for people to get their, you know, GLP ones, and that's for um weight loss or you know, it's different, different prescriptions, whether it's Monjaro, Azempic, et cetera. But this is a a small, I'll call it a study. They're doing a small study for the next few months that you can do this where it's not costing you four or five hundred dollars a month or a thousand dollars a month to get GLP ones. They're realizing that people that are in the senior age can use this and reduce their, you know, their weight or you know, sleep apnea for I think it's Monjaro, the use for sleep apnea. But you know, they're finding that by doing this might be a better way to save save people money, but also better health, which means in the long run you'll save money for the entire, you know, entire complex situation. Yeah, yeah. I mean, we're seeing more expensive care for seniors, there's no doubt about it. And when seniors are on a you know fixed income, $10 or $20 can mean the difference between filling a prescription, paying an electric bill, or buying groceries, or splitting their prescriptions. I have clients talk to me on the phone and tell me they can't afford this and they cut their pills in half, which is not what it's designed to do. It doesn't make you doing you're not doing the right thing. And that's um un unfortunate because some people are really on fixed incomes. So we you know you have to be cognizant. How can how can Medicare help them? Find the right plan. You know, what's the best plan for these kinds of people? Do they have Medicare? Can they get Medical in the state of California? Um, you know, what is what's the affordability? What are their doctors, what are the prescriptions they're taking? But again, you know, this again, this is you know, one part of the puzzle of Medicare is talking about part D, which is the prescription drug plan, and you know, how it's changed over the years. I mean, for two years, this has kind of been an experience or slash experiment, you know, and then why is the program ending? When I say ending, it's not the part D, it's the subsidy. And that's been misread a lot of times where people would come to me and say, I heard part D is going away. And it's not that part D is going away, it's just that the subsidies are going to change. Or I go back to what Dr. Oz said, possibly they could be $10 or more or less. We don't know. There's that that's a small amount of money for some people and a large for others, but we still don't know what the exact amount is going to be. And we will know in September when they release everything, and then we'll be the first ones to know about the changes in Medicare for uh for the October 15th turnaround for annual enrollment period. But this this experience or experiment, not experiment, but this experience for the insurance to gain experience with the redesigning of the prescription drug benefit. So the participation by the carriers for this was voluntary, you know, and a lot of the analysis came back that companies now had enough information under the new benefit structure to make reliable pricing assumptions without support. So it's in the long run, they are trying to reduce the cost of prescription drugs. This may help the situation by understanding what prescription should cost. And that's again why I say it's very complex, because it's there's many steps within part D. You know, so the program is gonna return to what was called the traditional market conditions beginning in 2027, what it was two years ago, which means you're gonna see premiums a little bit higher. And you may see an ad or reduction of formulary, of prescriptions on a particular formulary. I'm not saying that's gonna happen, but we have to be aware that may happen. So it's a matter of switching someone from a a one carrier to another to make sure they get the right prescriptions at the right price. They're all competing for the same space when you think about the carriers out there. So what we try to do is, you know, you you try to find the best program for them. And you have access to that if you're certified with all the carriers. So you can look at all the carriers and figure out what's the best cost for my client. Are they getting the best bang for their buck? Are they getting the best, you know, their co-pays the lowest with this plan? Is the premium too high? So those are some of the things you have to, you know, we deal with on a day-to-day basis when you're enrolling members. You know, other than that, I mean you know, it's still hard to, you know, it's it really is still hard to grasp, you know, given the runaway cost of healthcare today, like what's gonna happen in the future. Yeah. This is one part of it, you know. And again, I'll say this Part D is optional. You know, insurance is available to people enrolled in Medicare. You don't have to take it, but it's it's it's the advice is to take Part D because we all at one point will need prescriptions. And if you don't have Part D and you've out of the you're out of that 633 63-day window from when you should have gotten Medicare, you will get a penalty, and that penalty is for life. It's about 10% a month. It's not worth it. It just isn't. You know, it's better to pay or look for the lenient. I mean, sometimes I have signed up members or clients, and I and this, I'm probably getting, you know, probably get wagged on this one, but um I can see the list of prescription drug plans, and some of them will have zero dollars a premium, but there's no commission. I am more than happy to give that person that zero dollar um plan and not get paid with the for the for the the the the being that I can see the same plan, literally the same plan at $90 a month, where I can get a commission for it, but they're gonna be paying almost a thousand dollars per year for that. So if I'm not gonna make any money on the on the part D, that's okay. I just want to make sure they got the right program. I don't feel comfortable just selling them something because it's got a bigger number on it. And when it comes to you know people's you know budgets, it's important. I mean, we have we have access to a lot of different programs when we look at part D plans. So I try and be you know rational about the fact that some of these people don't have any money, and it's it's really hard. Or you know, 90 bucks a month is can be a lot for a lot of people because you're you're also paying for part B and you're paying for a dental or you're paying for these other other particular products, especially in the supplement. You you you know can add up, and then you have what's called you know, IRMA, which is the you know income related, and that that also plays a part in how much you're gonna pay for your part B. It's not just one fits all. We have a tiered schedule. So you have that for part B and part D. If you make over a certain amount, you're gonna pay more for those for that product, and then it becomes more expensive. So it's it's you know, again, it's a complex process. So it's important to know those kinds of you know things. I mean, again, you know, each part D plan maintains its own list of covered medicines. It's known as a formulary, and it's divided into tiers. Whether you're tier one and tier six, usually you don't pay anything. If you're in a tier two through tier five, there is some payment involved because it's a you know, if it's a a non-generic or it's a preferred brand, you will pay more for that. And your copay would be higher. And generics, you know, definitely cost less than preferred on brand name, you know, brand name treatment. And plants may also require prior approval. That's another thing. You know, before you get covered on a drug, you may have to uh patients have to ask to try a a um what they call a what they call cheaper treatment, but it's actually a step down. They ask you to try a less expensive drug before you go to the more expensive one in certain plans because they may not cover that particular drug. And that again is what I'm saying is the you know what what the the complexity of of just part D alone is. I know it's still a lot of different things, but it's it's important to understand that you know these are just not one finite thing. You know, cost is a big variable on whether a beneficiary uses a preferred pharmacy in the network or not. Person wants to go to CVS, great. But if they're not in the network, you're gonna pay more than go into a shared you know network. So those are things that are important, you know.

SPEAKER_01 25:36

Um again, part D, go somebody so somebody turns a I'm gonna change the subject just a little bit, but somebody turns age 65 and they're still working, right? They have to sign up for Medicare, right? Do they make the part Did do they do they check that box for part D at that time or when it is they finally retire?

SPEAKER_00 25:58

So no, actually, if you're still working, depending on the size of your company, will depend on whether you st you want to get full Medicare or not. So if you have a company that's under 20 employees, it's advisable you should get Medicare will be your primary. In that case, you would get Medicare because more times than not, that company will tell you you need your 65, you need to get Medicare because they don't want to cover you. And they're allowed to, it's by law, it's okay. But if you work for a large company, let's say anybody is over 20 employees is considered a large company, and if you have good coverage of you don't have to get your Medicare as long as you're covered. You can keep working, you can cover your family, and you get your and you have your coverage. What I do suggest and recommend is apply for your part A. You've earned that. You have earned that because once you've worked 40 quarters or 10 years in this country, you've basically paid for your part A. You don't pay for part A once you receive it when you're 65. You've paid that through your FICA taxes. So once that's done, you have it's sort of a uh a supplement to your current insurance. You get your part A. And you can use that for hospital. But you don't get part B because you start paying for part B if you already have a policy. You wait until you're out of the company or you're retired, if that makes sense.

SPEAKER_01 27:12

Okay. I think it does, and I think that's very important because you know, boomers are working longer. It's been proven out. Uh none of us really want to give it up, I get, I guess. So that's a good thing.

SPEAKER_00 27:24

Yeah, and that's true. It's just I try to make people aware, like to make sure that you have a good policy. I'll look at their insurance policies and see if it's worth it. Sometimes it's worth it to get into Medicare and leave that policy back because they their deductibles are so high. And you end up, you know, if something happens, you could be paying a $17,000 or $25,000 deductible in an instant. That won't be the same. You just have to weigh apples and apples. You know, how much you pay in a month for your supplement plan or a Medicare advantage plan, is it going to be better than the plan you have? And you have to weigh all the pieces to see is it worth it? You know, so yeah, that's that's a thing that we have to look at every time. Like every every client is different in that in the realm of when do I get my insurance? What insurance should I go for?

SPEAKER_01 28:09

Yeah, yeah. Well, well, Keith, you know, I I um didn't ask you to introduce yourself before this call. So um I'm gonna give you a couple of minutes to tell, let us uh let our audience know why they should listen to you and why why they should get a hold of you.

SPEAKER_00 28:22

Sure. Um my name is Keith Petkowski. I've been a Medicare agent for about seven years now. I come from a long background in healthcare. I spent my entire career in healthcare, from hospital work to you know, corporate. And I decided at one point of seven years ago to get into this because I really wanted to help people and understand the process because I know how important it was. I've seen the system broken for many decades and tried to work in systems. I've been in the startup world. I built startups for you know, having all your um patient data on your phone. I had a company that actually did that. And um, I worked with Microsoft at one point trying to even work with their health health data, health, I'm sorry, their health vault and designing how a way that you can pull data across so people, parents could carry all their their families' information across. Um going back to Medicare, I just feel like we're at that end game where people still need the help. It just because you're older doesn't mean you understand it better. And because I spent a lot of time in this game, I I wanted to give back more than I take. You know, it's it's it's um it's been good. It's been I do I do well and I enjoy what I do because it's helping people get beyond their you know the concerns they have. So I like doing it. And that's that's the exact as much as it's complex, I get it. I've I can deal with the complex, I can break it down to, you know, maybe sometimes it may not sound confusing, but as best I can, I do break it down for my clients.

SPEAKER_01 29:55

And that that's the reason I'm still in the in the mortgage space in the reverse mortgage world, because I I truly enjoy helping people solve the fourth quarter of the game. Because base it, guys, we're in the fourth quarter.

SPEAKER_00 30:06

Yeah.

SPEAKER_01 30:06

So it's um, yeah, it's just one of those things. Keith, how does our audience get a hold of you?

SPEAKER_00 30:12

Uh there's two ways, I mean three ways. My uh my phone number is 415-971-0384. I do have a website. Um, it's Medicare, the number four YOU dot info. I n F O.

SPEAKER_01 30:28

Okay. And once again, your phone number?

SPEAKER_00 30:30

415 971 0384.

SPEAKER_01 30:36

G, thank you so much for your time and your wisdom. Um this is uh this is part. I mean, I I understand a little bit about Medicare and you had me confused there a little bit. So um I'm I'm glad uh we had you on the call, and um I hope a lot of our audience give you a call and gets it gets it right. You know, it doesn't matter what you do, just get it right. Okay, thank you. Thank you. Thank you. My pleasure.