jessa on that point next. >> this was all stuff that was sealed and under law there is no way this could be brought out. esurance was born online. which means fewer costs, which saves money. their customer experience is virtually paperless which saves paper, which saves money. they have smart online tools so you only pay for what's right for you which saves money. they settle claims quickly which saves time, which saves money. they drive an all-hybrid claims fleet which saves gas, which saves money. they were born online, and built to save money, which means when they save, you save.