 I guess I think crap insurance is great. I think there's a lot of fraud in it because of the lack of oversight. I see a lot of people that do some sketchy things with crap insurance, and I'm not in the company, but I know when you see people doing certain things, you kind of wonder if that's really going on. I think they should maybe look at that a little bit and make the program maybe a little more efficient and bring costs down.