 The fact that these insurance companies have a strategy against you. We're talking about a low back injury. We're talking about the lumbar spine. But they have a strategy. They're well trained. And they have a game plan to beat you. And you need your own game plan. I think if you talk to any insurance adjuster who is going to be truthful with you and talk to you about what's going on, maybe talk to a retired one or one who's been in the job and is out.