 Tim, one of the things that I had a friend of mine in the insurance business a couple of weeks ago say, one of the things that I really appreciate about it is that you've kind of taken the politics out of the insurance office and turned it into a business office saying, what can we do to lower rates? That's a big step in the right direction in Louisiana, is it not? I think it's important. It's certainly not very popular. But like I said, we have got to fix this crisis. I hear from people every day that cannot afford their insurance.