 incentive for them to spend less. In fact, they just keep spending more, don't they? So until that changes, bond interest rates are going to be pushed higher, which means dividends with insurance companies are also going to continue to be pushed higher. This is going to get interesting as time goes because what happens as interest rates keep going higher and higher, dividends will continue to keep going higher and higher. In other words, you have the opportunity to take advantage of a weakness