 You know, Tim, that's not an area of expertise for me in regards to how insurance premiums can be adjusted based on when claims are made. But I do know that the Office of Commissioner of Insurance in Wisconsin here, they do have resources and FAQs and even a phone number you could call with that exact question. And their phone number is 1-800-236-8517. And give them a call, ask that exact question, and they'll have the answer for you.