Is self funding as risky as most believe it is? Make sure you educate your clients appropriately.

I think people think self insurance, we're on the hook for everything. Unlimited, unlimited risk. Yep. It's like, well, no, everybody's self insured really, other than like some, you know, some fully insured products and individual market products. But still that claims risk comes back at some point in time. Right. And so what we're really trying to do is educate that yes, you have risk and it's self insured, but that's why we purchase stop loss not only at the individual level, but at the aggregate level as well too. Yeah. So again, that, that education is key because then we can really, once we get the mechanism or like the understanding of what that looks like, then we can start working in those programs, really make self insurance attractive or like a captive attractive. We can kind of work those in and integrate those into the program.