 time that that you were the chair, I am curious if you could kind of give perspective to people. You know, when we talk about the the proposals of rate hikes, you know, while we haven't seen, you know, maybe some of the proposed numbers that were put out there, we have consistently seen year after year that the rates do go up and it feels like more and more carriers are dropping out of our marketplace. And so like the individual policy plans on average are just are