I’m quite certain I can model it using existing tools, but it would be great to see a more elegant solution to modeling end of life healthcare expenses. In the US, not sure about other countries, an insanely high percentage of lifetime healthcare costs comes in the last 18 months of life; basically spending money to hang on as long as one can. This can have a very substantial impact on what you leave behind for others. Modelying this is one of the few things the New Retirement platform does well as compared to PL.