 He expects that 2023's operating earnings could be better than the last year. So there's a silver lining, as you said. Well, let me tell you something, and this is, it'll sound technical, but the miracle that Buffett has pulled off is, you know, what insurance companies do is they go out and raise money from premiums, right? And then they invest that money, okay? They often lose money on the money that they bring in because they have to pay the premiums off, right?