 And that's where the statute falls down a little bit because what you have to think of is think about your $50,000 case. If you've gone in to get your $50,000 because you said, look, I've got this much in medical bills, this much in my injuries, this is my lost income. And the insurance company, the car insurance company, farmers, your state farmer, one of those, looks and says, we'll pay you $45,000 of the $50,000.