If you had to take a step back, what is your thought process around term insurance and proper frameworks on how to think about?

Yeah, I've come a long way on term and I think people give term way too much credit.

So let me, let me even take a step back and say, what is life insurance? Well, life insurance fundamentally is a way to levelize a non-level cost.

So think about this.

If you had a group of people, a hundred people or whatever, a thousand people, and they said, hey, we're going to self-insure.

We don't need an insurance company.

We're going to self-insure.

They'll look back and say, thank you, because I am a better human being because you did the right thing, not just the