If the insurance companies tell you that there's a bigger risk of dying, do you believe em? If you believe that, that's the least credible thing there could ever be in the world. But what happens on day one? Let me take you to the meeting of the insurance companies. On day one, everybody says, somebody's saying there's more risk. Does it sound credible? Well, if they're saying it, maybe we should take a look at our numbers too until say it. In the long run, clarity will drive the price down. There's reason to drive it down. Hwe'll get to the insurance actuaries. How about i take care of the insurance actu