 for the full coverage. So they're going to turn to their own insurance in many situations to hopefully be made whole. It won't be easy. Is that what you're saying? Especially for smaller businesses to get that claim? Correct. I mean, if you look at CrowdStrike and Microsoft, they are leaders in this space and they have contractual leverage over many clients because their tools are so important for both business resiliency and cybersecurity that they do not open themselves up to widespread liability.