Is is that why is it is it the is it the complexity, the effort, the the stakes?

Yeah, I think it's all of that plus.

One, some of what you see out there in terms of the outsourcing, and I'm very careful with the categories you used, FMLA, ADA.

I'll even throw USARA in, which is our federal leave for military, right, if you're called up from the reserves, things like that.

There are organizations that are providing that level of support, and I'm careful to use that language because they're just providing it on the federal level.

They're not handling things on the state and local level because it is more complicated to do that.

When I have to deal with what's happening in New York City compared to New York, compared to the federal government, it's messy.

Coverage subject to policy terms and conditions.