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Insurer in the context of prices, because it is about the price at the end of the day. What we attempt to do as best we can on behalf of the customers who choose to pay us a premium to become our customer pursuant to that contractual relationship is to go into the marketplace and to negotiate the best price that we can yield combined with the best quality to make that available to the customer that is paying that premium. And thats what weve traditionally done. I mean, that may be an overly simplistic way of looking at any kind of insurance, but certainly health insurance. But thats, thats what we try to do. And were going to continue to try to do that and leverage all of the wonderful technologies and innovation and collaborations and things that we can do to help bring, take pressure off of those, off of those prices. So its very important that we, that we continue to do that. And as we go forward, we all need to be vigilant about those that, as dr. Reinhardt has alluded to, that hav ....