 eliminate the I guess pesky claims I guess I would call them you know the lighter claims and that's what we keep trying to tell people and that's what you've done for yourself right you kind of increased your deductibles because when it comes down to it with insurance you're gonna take it on the chin at one point or the other right you either you know have the higher deductible that you absorb whenever you file the claim or you're gonna pay more per year to have a low deductible and you pay less when there's a claim so you kind of got to pick and choose and with