text:  Yeah, it's wild where I think it's, like you said, regulation is definitely playing a part in this, but there are some states that are looking at what to do. But it's hard where mortgages, mortgage companies require home insurance if you don't have, if you don't own the home outright, home insurance is required. And so this is something that it's, yeah, very necessary in the housing market today. And so having regulations in this space isn't always easy.