I don't care what the exact causal relationship is or how it has filtered the way it is, but I have a really, really hard time thinking that we passed a massive federal overhaul of medical insurance and we've seen huge changes to premiums, deductibles, and a host of other things and that hurricanes are to blame. Doesn't that, even a bit, strain credulity? Whether indirectly or not, it has caused issues. I'm not even necessarily opposed to it, but the ripple effects have to be addressed. However or for whatever reason they are happening. Obamacare set off some major changes in the market and people are paying for it. And the trend isn't reversing, it's escalating.