Operating Earnings Figures From the Pandemic

I would expect, in one massive earthquake or one hurricane that came into just the wrong place, would kind of affect that prediction. But on a probabilistic basis, our insurance looks better this year. And we retain all our earnings, as you know, so if we're retaining 30 or 35 billion or whatever, but maybe a year, we should expect more operating earnings over time. I mean, this number should be significantly higher, five or 10 or 15 years from now.