 So you and I, Bruce, can help people mitigate those penalties and keep them from starting in the first place. And then if somebody does have them, let's try to get them, you know, to stop, right? Enrolling in Part B, enrolling in Part D will stop the penalties from growing. And we're definitely here to help. One more time with how to get a hold of us, if you would, please, sir. It's 970-549-0410 or Mace Benefits on the web.