 You can do 250 baby steps to catch up with somebody in the car doing 90 miles an hour, and you can brag about the 250 steps as long as we don't see what the other states are doing. And to get trial lawyers in to negotiate, they're going to talk to you like a lawyer. Well, we're not doing that. If you do this, you do that. I mean, they're going to come up with an angle, and I think they're going to be the problem. They may not. Maybe other insurance companies will be the problem.