 Have you ever looked at an insurance policy for a business owner? There's probably about 15 pages of exclusions. We don't cover this. We don't cover that. Well, who does? So I'm on my own. Me. Yeah. I'm covering them when the insurance company says, yeah, I know you're paying us thousands of dollars a year for your insurance, but you're on your own when somebody wants to sue you. So a captive held insurance company is basically like an insurance company for your business to protect it. Right. And you can put money into it every year and deduct a lot of money.