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This is KC1YDR. I have nothing but insurance woes. I spent an hour, I think I mentioned this the other day, an hour on the phone with MassHealth to get my coverage for myself because my wife's on Medicare so she's independent. But they gave me an approval for $99 a month and then when I went online to pay the bill last week it said they wanted over $800 a month because they removed the subsidy. So I spent an hour on the phone with them the other day and got it back down to the $99 a month. I just had to prove to them, no, I don't make any money. So they finally agreed with that. But they also told me that in January 1st it's going to go from $99 a month up to a little over $200 a month because the subsidy is getting reduced because of all the stuff that's in the news. Hopefully I'll be on a company's health insurance by then. But it's better than $800 a month. And then our car insurance, we got two cars and we have two motorcycles. And if it was just me, it would be about $1,000 a year to insure all of that. But with my wife and my son on the policies, and they've been in a bunch of accidents, on the last accident they actually canceled our car insurance policy. They said, yep, we'll fix it and then you're canceled. So I had to go to the agent. Massachusetts requires an insurance company to, at least one insurance company, to accept your coverage no matter how bad a driver you are. But they found one that would accept it and they wanted over $7,000 a year to insure the vehicles. So I went to my wife and my son and I said, what if we took the collision off the cars? So if you get in an accident, it's your fault. You're agreeing to me that you're going to pay the money to fix the car. So we took the collision off and that got it down a little over $4,000 a year. And then I'm making them pay some of that too. But that's still a lot of money. My home insurance is pretty good because we're in a condo association. So the master policy covers most things and then just our coverage is just a few hundred dollars a year. So we're good there. But that's a lot of money on insurance. It's way more than my mortgage. AC1YGR, you reminded me of something. When I left my company, which was many, many moons ago, I had my insurance option was using something called Cobra. And that meant that you can keep your insurance policy the same one that your company had you on, but you had to pay the full, full freight. It's an expensive way to insure yourself, let me tell you. And then there was a lot of machinations and driving across town and phone calls and all that other stuff. And I finally figured out, somebody told me, they said, well, you're a widower. So that makes a big difference in your premium. And it did. It made a huge difference. I said, okay, okay. Insurance. And I used to work in the insurance business and I didn't know that. I spent 30 years working for insurance companies. Wow. Okay. Next on our list is KJ5IRQ. You have company insurance, don't you Josh? This is KC2PKG. Over to you, KJ5IRQ.