 They know very clearly that they're in a light loss or moderate loss situation right now. It's going to get a lot worse in the coming two years. So that's an issue where I think they're just saying, let's scratch out the best we can, operate as much as we can, because it's going to be a tough, tough feeling the next two years. All right. All right. Rich, thank you so much. July 23rd, the Allendale Summer Conference. You can just go to www.allendale.org.