 I think this committee has jurisdiction over insurance generally, whatever that means. But it just feels like this huge whack-a-mole where we're trying to get data. And I'm curious if you think that you or FIO or maybe more broadly FSOC, do you have the authority just to get and ask the right questions so that we can understand where these risks are pooling? Or do we need to find ways to, do we need to find other workarounds, maybe even more regulatory fixes? Well, FIO has looked very carefully