 Right, right, and it's called the free market because if routine stuff is not covered by insurance, and you're right, health insurance really is an insurance. It's prepaid medical care, and if you don't use it, you lose it, and people are paying a lot, so they want to get their money's worth, but they don't realize that there are deductibles and all that other stuff. Yeah, the free market will get it right down, and honestly...