. >> well, in 2002, the insurance commissioner, ricardo lara, he introduced, regulations that said insuranceompanies must give credit to people who do home hardening. that's called home hardening credit that the insurance company is supposed to give homeowners for making those improvements. isn't this working yet? are we keeping track of how well these people are getting their credits from their insurance companies? >> we're not seeing it yet. and again, he is working on that. and he is. and there are some things in the process, specifically around the home hardening. but we're not seeing the effects yet. in answer to your question, we're still seeing insurance companies, pull out. and again, they're also not taking into account for sure we know this broader, issue of all this investment that we're doing. i mentioned the $3.7 billion, just since 2017, in forest treatment, in this larger scale reduction, we've embraced prescribed burns, which is something, that's a we embraced new technology and then also old technology that we've got from the native americans around prescribed burns. we didn