Joelle: Usually in this day and age there is a dual income coming into the household and most people like myself rely on each other’s incomes. So I rely on my husband’s income and he relies on my income. If something happened to him unexpectedly, first of all of course, emotionally I would be completely devastated and so would all the kids. And then to not have the finances needed to stay in the house, to live the same lifestyle, to pay the monthly bills, I mean just the water bill or the electric bill or whatnot; that would just be such another piece of that situation that would be so difficult to worry about my finances when I’m already suffering this emotional loss. So, it’s important if you’re going to start a family to make sure that that piece of it is covered.