 We have just extreme weather, tornadoes, hurricanes as well. So this is a permanent situation, Sharon. This is not a one-time thing. It's very hard for people to adapt. The insurance companies, for example, are taking enormous losses from all these wildfires and floods and tornadoes. And so they pass it on in the form of higher home insurance rates. That's one specific example of how it's affecting people every day. Yeah, it hits you hard in the pocketbook.