 you know, insurance as a part of your moat or your wall, I think is really, really critical for the catastrophic stuff. Think about the tragedies that can happen in life, the death of a spouse or a loved one, a major breadwinner in the household, or maybe they don't pass away, they're disabled and can't generate that income anymore. Loss of income can be something that you don't bounce back from, right? And really, it's such an enormous risk