 Stephen, great stuff. And I know people can go and check out the Bank of America Institute on data, consumer stuff. Thank you, Stephen, for the time. Really very good. And you do it in a great way. We can kind of forecast a little bit of what's coming. Thank you, Stephen. Thanks. Insurance rates keep increasing. Why? Because the cost to repair or restore your home or auto after a loss continues to increase. So what do you do? Give Allied Insurance a call at 603-224-5394. They'll review your policy and see what can be adjusted to help you save money.