 sometimes you don't learn it until you go through it. And I was very surprised to find that, hey, even though I didn't hire this guy, the contractor hired this guy, this guy could put a lien on my house because the contractor hadn't paid him. It was an eye-opening experience, and the lien waiver thing certainly would have come in handy there, and it will for most people. But apparently now we need to really think about it in bulk terms with all of the repair work and the contractors that are going to be hired here over the next couple of months.