 Those are the key concepts. You got the policy limits, so it's presumed, that's a powerful word in the statute, it's presumed you were not made whole, that you were not paid enough, and the statute says then you can give the notice that you want to keep the medical bill to yourself. You don't want to pay the $15,000 back to the health insurance company. So you give the notice, you send out the notice, and if they don't respond appropriately within 60 days, as Brad just said, it's over with.