 You know, I have a problem or, you know, do I go to the doctor? But, you know, then I got to pay all this money out of my pocket. And, you know, maybe I need it. I don't have that money to pay my deductible. And people delay getting health care. And rather than using, you know, having preventative health care to prevent people from getting worse, this system is delaying people from getting health care until it gets worse.