 didn't get it done and what they did or didn't do and how many attempts they made to get these things done. Insurance companies are in the business of collecting premiums, but they're not really in the business of paying claims. That's not something they want to do. They don't make money that way and therefore they have procedures and their protocols are all built in ways to minimize the amount of money they're going to pay you. So you've got to understand when they go through their checklist, the bottom line is less money to you.