And Chris Mosley, would you do say that you've seen projects where the insurance program was essentially an afterthought? And if so, what kind of problems does that create downstream?

Yeah, unfortunately, I've seen it too often.

And it's largely a function, I think, of the developers and general contractors not really understanding what the purpose of insurance is.

What the less sophisticated ones or less experienced construction professionals understand about insurance is you've got to have it on a project.

and it's expensive, and there's deductibles, and you hear horror stories about claims.

And so in that realm, it has nothing to do with building, which is your sweet spot.

And a lot of times what owners and developers and general contractors may do is just simply go to your broker without any idea of whether the broker is sophisticated in construction insurance or not, and then buy the cheapest product that's out there.

What about RAP manuals? Those are critical too, but what should a good RAP manual contain and what goes wrong when it's poorly drafted or ignored?