 They were frustrated that they had to pay out of pocket first when they needed to use their pet insurance. Their question to me is, why am I spending all this money in pet insurance when it's not really working for me? Because to them, the process of paying out of pocket and then having to go through the claims and reimbursement process is a very long and painful one. And I think that speaks to the fact that the industry is clunky and it needs to innovate and adapt.