 We talked about this on the podcast, and I explained to everyone that, hey, you know what? The cost of cars is going up. So if the cost of cars is going up, used cars, new cars, guess what? Insurance costs have to go up. The cost of repairing these cars have gone up because of all the technology that's put into them. Not to mention the cost of repairing EVs as well, which is another massive cost. The labor costs have gone up.