 And that's not just a small matter. That's a huge matter. You need to know what to say. You need to know what your rights are before you get on that phone with the adjuster after you've had a crash. I can't tell you how many times we say this is no ordinary day or event for you when you have a crash and you're injured and you're confused and you've got medical bills and who's going to pay for them and how am I going to recover and what am I going to do to recover and my doctor says this and that.