 may relieve somebody of dunning phone calls, which are awful, but on the other hand, it may not actually change the balance sheet. Yeah, the average effect is going to be very small on the balance sheet. Very small. Even smaller than the 10% that's being paid or the 1% that's being paid. Presumably the collection agency gets their share, too. Yeah, the reason the price is so low is because the reimbursement is so low. Very few get paid. Thank you. Benedict Ippolito from the American Enterprise Institute. He's an economic policy and senior fellow.