But I think the liability market hopefully is turning in the right direction.

Yeah, I guess from my perspective, where we see our clients that have captives, they use the captive for different types of risk.

As the market changes and limitations exist in the market, either in terms of just availability or certain layers of coverage are hard to get, clients are using the captive to kind of plug holes in their program.

And if they need to, Like they'll say, okay, to be contractually compliant, if we need to take that risk on our balance sheet and put that risk in our captive, they're doing it.

And so, you know, again, like there was a reference to section one station.

We have many clients, unfortunately, who cannot buy that coverage at all.

But either lending requirements or contractual requirements, they're forced to provide evidence of coverage.

If you could please introduce the topic and provide some color on what you're seeing today, that'd be great.