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Hello, it's Matthew Decker from Leveraged Health Management. Today, I will discuss the flexibility of income payments, similar to our previous discussion on using your seven pay premium. Many have asked about this topic. Using the example of a $100,000 premium for 15 years, most policies show a level income projection of $193,000 starting in year 16 for the rest of your life. This concept of flexible income is important to understand.