 So Carl brings up another change we're seeing in what's being built, where, and how big these structures are. What would you add to what he has to say, Grace? Yeah, so I think from an insurance perspective, across the country we see that there are people who are living in more wildfire-prone areas. And the more people we have and the more space that they take up, then that's places where risk can change. I think you've also seen things like in Austin where