[chuckles]

... to get off the ground again.

Anyway, just to touch on a couple of the points that Carly and Carolyn mentioned as well, my understanding is that the penetration of cyber is still sort of twenty-three percent in the UK, and the stat that I heard was more people have insurance for their dog than have cyber insurance.

So there we go.

I don't have the stats on D&O.

To answer your question, though, are there any mandatory obligations to purchase these types of insurance? The short answer is no, there are no legal obligations.

It's not like employer's liability, where it would be compulsory for certain businesses.

Finally, got the undertakers to bring that up.