So I think at the end of the day, you should have confidence that we know how to make money in Michigan. We know how to work around this. We made money back when PIP was not reformed and will make the Jeff Farber Jack Roche Our next question comes from Bob Farnam with Janney. Yes, Bob, this is Jack. I want to say a couple of things and then let Dick give you some reaction because he's been on the road pretty regularly, making sure that we have those conversations in person and make sure we really handle thi ...