 Better than pet insurance? That's a decision everyone's going to make now. But I hear such positive things about pet insurance. There was a call on the L.A. show, someone very positive, and then someone like yourself who seems to be a little bit hesitant about insurance now. Let me ask you a question, then, that's kind of associated. It seems like veterinary costs are really high. I don't know whether it just seems that way or they actually charge an awful lot. But why do you think veterinary charges are so high? Are they expensive?