 As Brad and I have said many times on the radio that, you know, when you have a crash, you're injured. It's all confusing. Who pays for what? What do you do? How do you do it? This is no ordinary day or event for you. But for the insurance company that's going to try to beat your claim with their own agenda, it is an ordinary day and event for them. And they are well trained. They know what to say to you and they know how to say it. They know what documents to ask for. They know how to ask for the documents. They know what documents to get.