text:  15, 20 years ago. And now those same properties, those very same properties are worth 250 million. How do they cover that all? And they can't. So they start to cut out the ones like, um, I have a post and peer single wall, old wooden house. So if people look ahead of time to see what is the challenge, then that can help them. And then what you should be doing is like when you update your electric,