 As they like to say, there's a lot of hearing going on, but not much listening. This goes out to my brother Joe. It's Insurance Nerd Day. Love you, bud. National Caviar Day. You mean beluga? Yeah, we were just talking about athletic directors making a million. Remember when Rockin' Robbins had to take it on the chin and he had to go to domestic caviar instead of the good Russian stuff?