 Good morning, and thank you for this wonderful discussion. I'm among those whose house was damaged in the hailstorm, and let me tell you, trying to get the house repaired while it's raining all the time has been really aggravating this summer. I'm sorry to hear that. I'm sure I share that with a lot of others. But the part that I want to raise is we know that the insurance companies are raising our rates and in some parts of the country refusing to insure insurance.