 Well, certainly we've seen that happen too. I will tell you with National Flood Insurance, there's a 30-day wait to make sure that that... That makes sense. That's a national program. That does make a lot of sense. Some of the crop products that we have out there, whether it be a hail product, there's a shorter waiting period. So you can look at the long-range forecast and make some of those decisions. But you can't call when it's already starting to hail and try and put coverage on.