 And through the years, since 1933, the post-Field Act schools have done very well, and the pre-Field Act schools have almost been wiped out by subsequent earthquakes. But one real caveat there, the Field Act only applies to public schools. So those parochial and private schools to whom the buildings have been sold at bargain prices, they still have the same risk. Boy. First time caller line, you're on the air with Jim Berkland. Hi.