text:  Yeah, so we are seeing just prices are going up, and because of that, we are finding that more people, more homeowners in the United States specifically, are going without homeowners insurance. And so there's a recent study from the Insurance Information Institute, and they found that 12% of Americans no longer have home insurance, and that is up from 5% in 2019. So that just shows how, yeah, just the difference over the past few years. Boy, explain the spike. Why is this happening?