usually it's a time when we do the mac reina, we're all done. we don't have to think about insurance. how boring is it, right? but what's happening is, december 1, we should have had our cards. we should have been able to go around and use our cards to pay for the health insurance that our company is providing for our employees. but because the insurance company is so mired down in computer glitches and problems, they're not able to give our employees and myself and my family the cards we need to do it the normal way. so our insurance agent has to use his own credit card to cover our employees during this weird situation. >> i literally have ten seconds left. what percentage has your insurance gone up for your business? >> well, it was supposed to go up 49%. we negotiated with the new carrier, it's only going up 10%, but it's really disappointing. we've had that old insurance carrier for 15 years, we really liked them. but because of the unaffordable nature of this 49% increase, we had to go to a different one. >> drew, thank you. good luck, sir