 Because companies can't just raise their insurance premiums. They have to go through a process with the state to show that, hey, we need to raise premiums. So that took a little while to bleed through, but it's now happening, and that's why auto insurances have really gone up. But if you look at the month-over-month number on auto insurance, it's actually negative. But year-over-year, still big, big, big jumps.