 First year, we get a 5% reduction. Second year, 10%. Next year, because then they're not telling the truth. They don't want to put their money where their mouth is. Let me ask you a question, though. When they start throwing out insurance companies that make so much money, if that was true in Louisiana, they'd be knocking down the door. Would you agree with that? Why aren't they knocking down the door to come here, John? We need to change. We need to change. Let's talk about a solution just on this, and we'll move on.