 It could be as much as we say 5 or 10x. So you could have a situation where a consumer is paying $3,000 or $4,000, and because of the carriers pulling out and the lack of market share at this current time, we're seeing as much as increases 5 times, 10 times. You're seeing rates $10,000, $20,000, $30,000. Wow. How do people afford this?