 So, Senator Lester, I'm glad that you talked about especially the individual market, because that's actually where I was getting a lot of calls, which really prompted me to want to contact you. You know, I think it's really important to look at, as I mentioned, I know you were the former chair for the Insurance and Real Estate Committee. But, you know, during the time that you were the chair, I am curious if you could kind of give perspective to people. You know, when we talk about the proposals of rate hikes, you know, while we haven't seen, you know, maybe some of the