 Okay, well, is it the same coverage? I'm like, damn. Listen, it's all in the math. Is it the same coverage? It's state minimum, which I figured is the same as... Well, I understand, but there are other components. First of all, the amount of deductibles. There are so many components. Here's how you can tell. Jeff, I can tell you're not too hip to insurance, so let me just tell you this, and I don't mean to insult you. No, no, no.