 And related to that, often speeding and lack of attention is also a part of that. And I was going to say that it was just those three, but I got to thinking about one more, obviously, this morning, and that's weather. And when the weather's bad, those other three come in. One thing that I've discovered, and it took me a long time, I had a guy that worked with me years ago that was a big proponent of this, and that is when you're driving...