So we are seeing it from, from that stance.

Yeah, I mean, in terms of the, the main users of the product, um, as a r-rough rule of thumb, you know, terrorism and PV is generally included in personal lines, but from a commercial perspective, it's often typically excluded, right? So businesses, as Aakash said, of all sizes where you've got a material amount of assets, and that, that relative test is gonna be relative to the size of the business.

But these events, we hope, are fairly, you know, low frequ- low frequency, but very high severity, and those events have the potential to put sort of terminal strain on the ability of these companies to continue to trade and continue to ultimately remain solvent.

So businesses of all sizes, from small SMEs right up to, you know, big multinational corporates with assets all over the world, right up to billion-dollar real estate managers all use the product.

So it's, it's a real suite of different, um, different insureds.

And I ...

You know, i-in terms of one key differentiator when it comes to underwriting this, this line of business is, unlike traditional property where many of these sort of, uh, perils are natural and, and therefore fortuitous in how they manifest, you know, these instances are deliberate.

Looking f- ahead to sort of the next 5 to 10 years or so, what do you think those sort of future risks will look like, and how do, like insurers, brokers, et cetera, respond to those, um, future risks?

Okay.

I just thought, "I'll go and see where's h- what's happening in India." I think by dint of the route that I took, I got the best of it.

Because I saw northeast first, it was like, obviously from Southeast Asia to graduation, it's kind of like, "Oh, this is like here.

It's a bit like there, and it's similar to that, and nothing like India." So actually by the time I got to Bengal, Kolkata, it was like, "Ah, this is India.

Okay, cool." E- everything up to that point is an approximation of, you know, Southeast Asia with a bit of this and a bit of that, and tribal, and mountains and stuff.

So I definitely wanted to go because I have a friend who was running the school here in, uh, in, in, uh, where we stay actually in this village now, in a place called Mandrem.

So I had a friend to visit, Holly.

So you're doing some guiding.