 We diverted the Mississippi River. That's man-made. So the insurance, I just, folks, everywhere I go, the stories I'm reading, people not being able to afford houses now. The market of a house has skyrocketed in price and how to build one. Interest rates are up. Once you get all that taken care of and they tell you insurance and you go, well, hold on, because I'm going to tell you what, most young owners of homes, people that buy their first home,