 Okay, so why are they more urgent than these people who are getting ready to sue you? Because this life insurance company is going to sue you, dude. I don't care if they got quiet or not. They're going to get their charge back. I've never seen a life insurance company that didn't get a charge back commission back out of somebody's hide. They're coming for this. Medical bills might get around to it in two or three years, credit cards in three or four years, but these boys are coming. I don't care whether they're quiet or not.