The annual physical is covered by a c a compliant plans, so there isn't an out of pocket expense for that. But if you're like me and you've been buying individual insurance since before the a c a, before the affordable care act, there was a time in your life when i got billed 607 hundred dollars for annual physical. And i'm so scarred by that that i've misse. Even though i know it's, it's, quote and quote, free or no cost to me, even though i know that it's covered, cognitively, i know that i still skip em all the time. Yes. I shouldn't. The wider discussion is more important