 No, it's an obvious charge when there's insurance involved. Interesting. I told you what I did earlier, and this is what I recommend to people. I'm not against pet insurance. I think if people have good luck with it, I think they should go out and get pet insurance. In fact, I think it's a good idea for many people. Me personally, I set up a separate bank account, and every week I put a little money in that bank account.