 to compensate people for the fact that they themselves didn't do anything intentionally wrong, although they may have been negligent in retrospect with 20-20 hindsight, but insurance is designed to compensate people for negligence. That's what it's about. 203-333-9422. And I'm glad for Anthony that not only personally, because I know him, not only is he able to put it behind him, but I'm pleased to see that he is lecturing the bar