 University of Vermont was not happy this year because they got a 2% raise, I believe, instead of their requested 22%. But hopefully that for consumers and patients, that's going to pay off because the premiums will be far less. Let's go to the phone lines. Good morning. You're live on the morning drive. Yeah, I have a question on insurance and billing. When you see your bill, it says, say, the amount that hospital charges is $5,000.