 Well, there's a lot of that at play as well. I think we all understand that. Fred, thank you so much for the phone call. We've got George and Manny holding on as well, if you can. And we're going to take a break and go over to Bill Haberman from the Trusted Choice Insurance Agents Newsroom. 1030. Hi, Bill. Remember the old joke they had about Vinny back in the day? He's still the boss over there, right? Number one guy at number two. He's number one and number two? Number one of number two.