 You know, present for all, most Colorado people live in Colorado because of the fires we have here. We've had some really bad fires, the Waldo Canyon fire, the Black Forest fire. And if you didn't have the right type of insurance, then it didn't replace your home. They gave you market value. Well, what happens if your whole neighborhood burns down? What's the market value of your house? Well, that's burned down next to all the other houses that is burned down.