 But a small business owner, look, it's a tax deduction. And more importantly, they're ensuring risks that are not covered. And there's a ton of things that are not covered. So the point is, but there's so many things that are not covered, and it's devastated businesses. This is a way to get a tax deduction, and then you're protecting your business. And you can use it for, let's say, that crazy thing that isn't covered. It could devastate your business and take you down. One of the 15 pages of exclusions.