 I think our mindset is different. So the consumers, when they are self-insuring, are not looking at a bigger picture, especially when you're in a hurricane zone or fire zone. I mean, really, if you look at the United States, almost all of all the United States, not just California, has different issues that you're protecting against. That's the idea of insurance, spending very little to protect a lot. I think it's a no brainer. Absolutely. Absolutely. You know,