 and somebody wants to sue you, and your insurance company says, look, here's the deal. You drop the suit, we give you a million dollars and you go away, as opposed to them coming and saying, we're going to take everything you own and empty out your bank accounts and take your house and everything else. So is that worth 100 or 200 bucks a year to you? I don't know. I can't answer for anybody. But for me, it's worthwhile having coverage.