 these unexpected unplanned, you know, call them blind spots, whatever you will, uh, that are very real. You know, it's somewhat like inflation. Jen, you and I have been on, on the radio for over 10 years now. And we used to call this the sort of the hidden risk, right? The invisible risk. Yep. And, uh, all of a sudden inflation is not so invisible anymore, right? Like, uh, you know, we, we feel it, things are getting more expensive. So, uh,