 The Washington State Rating Bureau just revamped all the fire protection rates. So people that were at a four went all the way up to nine, which doubled their premiums because it says you don't have fire protection adequate enough to make sure we can save your house. So there's all kinds of things going on. Carriers are still heavy in restrictions. But rate wise, if I'm just talking rates, it seems to be settling down. It's leveling, right? It is leveling.