but i don't believe that rescission is considered a nonrenewal. >> well, but it doesn't just stop when it says shall renew. it says or continue in force. i guess if you read the phrase or continue in force, to mean the same as renew, then it would actually be a redundant phrase with the -- which the law does not favor redundancy. is this -- has it ever been challenged, anybody know if it has been raised before? >> i have no knowledge, sir. >> okay. well, let me go then to the second part of my question. and that is, we then go to the states having their statutory periods, generally, two years, as has been pointed out, for review. but, mr. hamm you pointed out that under your policies, i believe you said that you give the potential customer ten days to review the application, and to notify the company of any errors and ten days to just say, we don't want to have the policy in effect. are there any states that currently have in place a period of time for insurance companies to mandatorily review for these kinds of misstatements, in other words, review the medical records within a given t