 says that if you go to any emergency room with an emergency, that's going to be treated as an in-network expense. So Congress is attempting to address that. We can't just do something. We actually have to think. Dr. Bai, I just looked at the paper, and I'm not sure I got the paper that Dr. Messick referred to, but a meta-analysis of the impact of high deductibles, because that's been kind of the conversation here.