<prompt> Translate the following text to EnglishHakika, Hakika, hakika, hakika - kampuni zingine zinaweza kufanikiwa kwa muda mrefu, lakini kwa sababu ya hali ya hali ya hewa, kampuni hizo hazitaweza kukabiliana na hatari yoyote.  <response>: um-hum right yeah absolutely absolutely um you know some companies cant cant even afford any longer you know to carry the insurance theyre just dropping it you know they dont have any choice its bankrupting them 