 The asterisk there is if you go in a bad insurance company and they go out of business, then you have some protections in place. But the secret is we don't deal with any insurance company under A rating. So we're trying to – ratings go all the way down to B and C and even worse. So why would you offer one of those crappy ones when you can put people in a good one that you have a lot more confidence knowing that everything is going to be fine?