 That's absolutely right, and you kind of alluded to it there, John, but when folks are getting that new policy, it could come with a little bit higher deductible than they're used to, but that's a necessary thing, John, to keep those premiums at a manageable spot, correct? Yes, and back when Aiden and Depp started, we only had actual cash value policies. We did not have replacement on dwellings and on outbuildings and so forth, and we