 are natural disasters here the hail because you can go all right i'll self-insure my four hundred thousand dollar rental and the roof's gonna cost me 15 grand to put it on whatever if i get a hail storm once every five years i got the money to you know and you can just get fire insurance right so there's ways to combat it i don't think we're there quite yet i'm not doing that but what i'm saying is you can't do that in florida you can't do that with your whole house can be wiped away in a tropical storm so we have some advantages here for sure