 Absolutely, Bob. That's a great point because the worst thing you can do for an insurance company is be loyal to them because then they'll just jack your rates up because they look at it like this. You know, people are so busy in their normal life, they don't have time to shop for insurance. So we'll just jack their rates up and they won't even notice here and there a little bit. And that's exactly what they do. So, yes.