 Yeah, I mean, I think this speaks to a broader point. Insurance works best when it is focused on these rarer, expensive conditions that are very hard for people to prepare for. It doesn't work so great if you're covering relatively routine or predictable or shoppable services. And so I think this question is sort of getting at this point of, well, can't we do this a little bit more efficiently if we skip all this administrative cost? And you allude to a point that comes up all the time when the CFPB writes on this, when people submit comments regarding medical debt, the complexity of billing.