What are the carriers saying to you about that?

So first, you know, the big secret is it's not like charitable work that the carriers are doing.

And to be clear, the carriers absolutely do care.

I've been on so many panels where like, you know, they're top level executives coming out in the field.

And like, you know, Mercury is a great example of this.

We're like, they are nonstop in every community trying to figure this out and trying to figure out how to make it more insurable and translate it and be very open and clear and take on real risk.

The second thing is it's always a marketplace too.

So my question is, if someone's rates go up, what are the chances of them coming back down eventually?

So Andrew, why don't you take us back to your backstory, how you got into insurance, and then we'll sprinkle in some fun times from the good old days.

Dude, I love it.

Yeah, and you guys virtually kick me if I start going on tangents or in different directions.

Look, I was a closet hacker as a kid and like breaking and fixing computers and making video games.

I hated school, hated college.

And yeah, coming right out of it, I thought, all right, maybe I'll... do some work somewhere, go to law school eventually or something.

And of course, like everyone, I had an uncle who like worked in insurance.

It's all basically based out of