 that are why insurance companies are getting upset with Colorado and they're not being profitable in Colorado because it's the pesky little claims that people continue to file and file and file. And then, you know, you also get the big storms. So that's the issue right now is I'm seeing people with a ton of claims, whereas you've been smart and haven't made the claims. So your insurance score and your insurance history is good. So right now we are finding favorable rates for those that have used their insurance properly. So really, you know, get a consultation and see how you need to use it.