 You were there for about five months, so I get the picture. All right, Gabe, the big concern, and I'm sure you're getting calls and you're running into people, especially being chairman of insurance, and people want to say, well, Gabe, my prices aren't going down yet. Matter of fact, you're probably hearing people that say they can't afford it much more. So there's got to be some solutions. There's got to be some things you guys are working on. But am I wrong by telling you that that's probably what you're hearing from a lot of people?