 seeing that our insurance rates are continuing to go up. It's getting more and more unaffordable to have health insurance, especially in the individual market. I mean, we focus a lot on group and certainly people who have Medicare, but the individual, so the average Connecticut resident who's just trying to support their family or support themselves, their spouse, whatever the case may be, and maybe their work doesn't cover great health insurance coverage. They don't have great plans to offer insurance.