 Well, and, Lauren, that's one of the things that everybody wants, lower rates, whether it's homeowners or autos or for their business. And that is simply not a role. It's not a power of the commissioner, nor do you want that to be. Insurance is a free market product. It's a private market business. And any time a regulator comes in and forces companies to do things that they do not want to do, they simply take their capital and they leave the state.