 Well, you know, the bill goes to the consumer. So that's something we get as a consumer of insurance. I sure get that raise in my insurance rate. I get that bill and I get that feeling nice. I don't have to write the check up front, but I do have to fund it behind the scenes. And that's in your insurance rates going up. So our listeners need to be very aware of this. These guys are fighting for their life. That's why they've been so aggressive.