And so what type of coverages specifically are you seeing implicated by these type of issues?

I'll start on that question.

There may be several different kinds of policies that could come into play or coverages.

I mean, DNO is our focus here, but DNO is typically looking at claims that may be made against individuals.

And if you're talking about claims that may be made against the company, depending on, again, who is the insured we're referring to, you may be looking at some combined errors and omissions coverage.

You may be looking at water coverage, or you may be looking at investigative coverage.

Typically, when you're looking at public companies and a D&O policy, there needs to be a securities claim if you're really talking about litigation or a lawsuit.

Carolyn, do you want to take that one? Sure.