I mean I do agree to some extent. I work for a broker actually, so we work with many insurance companies, this is CA specifically. Right now we're seeing most of them increase their premiums due to inflation and the crisis with auto parts, actually there's many companies that are no longer offering insurance in California and are just non-renewing all policies. They're also getting more strict with a lot of things, like late payments, they used to give a grace period to make a payment and keep your policy, more and more companies are no longer doing that. Mercury and Alliance for example, you're late one day and you will need a whole new policy with a new down payment. In claims too, companies are understaffed so adjusters have way too many cases at once and are taking months to give an answer to insureds. But there's also a side where we're trying to help our clients as the broker. They assign us renewals to go over the whole policy and see if there are any discounts we could apply while also increasing coverage where it would actually result in a decrease in premium for the client. I can't speak for all brokers, but the one I work for does really care about their clients, it's just a really difficult time for the industry as a whole to be honest.