 It's what they do. It's not like you've learned anything from it. There's nothing to learn. There are three companies in California that do homeowners that bailed out of the state. I was covered by one of them, and I had to find another insurance company, and I was canceled, and I went bare for two and a half weeks. Let me tell you how I didn't sleep. Two and a half weeks, I had no homeowners insurance, and I finally got a policy for twice as much.