 And, you know, pat your head and rub your stomach. Ethan's in New Orleans. Hi, Ethan. Welcome to the Ramsey Show. Good afternoon, gentlemen. Hey, what's up? I'm in baby step two, and I'm curious if you would suggest I go into a proverbial stork mode, given that I live in a hurricane-prone area, and the deductible, despite having good home insurance, the deductible for my plan in the event of a named hurricane hits is $10,000.