 Weather and climate are chief among them, but they have a lot of scams. They have a lot of lawsuits. And that's another economic risk that a lot of the insurers are attempting to flee. But it really does narrow or limit the options available to consumers because you either have to move to a place. Everybody needs home insurance. You cannot live in a house without insurance. So you either have to bite the bullet, pay the higher costs, or try and find a way to mitigate it by moving to either another location or even another state.