What the Affordable Care Act tried to do was to incentivize everyone to buy into a system, to buy into insurance or a self-funded plan, because you don't know what expenses you're going to have. And for young people, they can, you know, it's called the invincibles, right? You can sort of hope, oh, I won't. I'll be fine. I won't need to use access care until, unfortunately, there is a diagnosis or an accident. Understandably, for many consumers, right? We're not thinking about the deep complexities of how we're getting coverage and what's covered until we're in the middle of a health crisis. And then we're learning a whole bunch really, really, really fast. And we can help people sort of plan for the next, right? When they have open enrollment, it could potentially change, but it's human nature to not fully understand something until you really, really need to understand it. I have spent almost 20 years being a health advocate. I have a law degree and a policy degree, and this stuff is confusing. I am confused. I have to do a tremendous amount of research. It's designed for observation. It's designed to, it's just, it's infuriating to me, and I worry for people who don't have hours and hours and hours to read fine print and, you know, make sure that they're going to get what they need if, you know, if they get ill. Thank you.