 And of course, once that happens, your insurance premiums, already high because of inflation, could really go through the roof. Let's talk more about this tonight with bank rate analyst Shannon Martin, who joins us live. Thank you for a bit of your time, Shannon. We appreciate it. We, of course, can start out with be careful, slower speeds, being alert, put down the smartphone. That is all good common sense advice. What would you tell us more about this situation?