 Well, now we're having more windstorms, more hail damage. And so we've become a state. We don't maybe compare to some of the southern states with the real severe weather, but we're not as mild as we used to be. And all of that is playing into it. Inflation is also another factor in those higher insurance rates, she says, as the price of building materials has skyrocketed. Coming up in half an hour, have mortgage rates finally peaked? Stephen, back to you. Thanks, Bill.