 So it depends on where you are. And this is adding up to billion-dollar disasters on a scale we haven't seen in history now. If you look at the chart, this actually doesn't account for the recent spate of tornadoes that plagued the United States, the recent flooding we saw in the southwest there. And so there are just massive billion-dollar events that are just adding up. All right. That's good. All right. At the end of massive billion-dollar events. Yeah. Things cost more now. We've built more now. The whole thing's a lie, folks. Listen to this.