 Looking forward, what are the bumps that you're going to run into, and how much of that do we want to remove from the risk? Do we want to reduce your risk so that you're not experiencing those incredible volatilities that we know happen? I mean, that's just part of being in the market. The analysis is going to include making sure that we've taken advantage or at least thought of some of the things that could unexpectedly happen, you know, the health care costs. Sure, sure.