 Then sole proprietors, folks who own their own business, it is a 2% of earnings, and that's profit and after the first $15,000 right now. So these are taxes. I know people hate to talk about taxes, but realistically, if you think about how much you're paying right now in your premium and your out-of-network costs and your deductibles and your co-pays, the vast majority of Washingtonians are going to save money.