opt out of it, the whole thing crumbles then anyway because there's not going to be enough money payingin. but that's besides the point. on the property tax issue, you're right, brenda. you have to pay it virtually everywhere, unless you live in an apartment or something like that. but the other -- the flip side of the property tax is, in theory, you get back value. i live in a high property tax area. the public schools are good. but the property itself should be worth more than in an area where the property taxes are a little bit lower. as far as, you know, david mentioned, well, you're paying in and you might not need thi stuff in the insurance, yes, but with regular insurance that you purchase on the private market you can opt what things to get. you can cose a super high deductible if you want. is is a kind of one size fits all. it's forced on everyone down a path which according to all the polls most people n't really like. >> jonas, what do you think? is this part of the amecan value system to pay for these things that we may not necessarily need? >> unfortunately, i actually think