0:20:17 Cliff White @thecliffwhite: Right. So it... It's a diversified book of types of insurance that will back. Certainly, auto insurance can fall into that, and that's a combination of personal and commercial. Small, medium businesses, we have a considerable amount of workers' compensation insurance, some homeowners, depending on whether it includes catastrophic or not. We usually carve that part out. But we have a set of very highly qualified…

0:20:56 MetaBeast @AKCMetaBeast: Okay. So I'm the person on here that understands maybe one and a half percent of what these people talk about. Can I? Can you give me the... Can it... Terrence scenario how that plays out? I mean, so are you guys... Is it like you guys are progressive but have a cryptocurrency, I don't know if I'm saying this right, yield earning on top of that, or does that make any sense?

0:21:26 Cliff White @thecliffwhite: Sure. So I think what you're asking is how does the regular insurance company that you buy your auto insurance policy from fit into this equation. Right? So you buy you buy your auto insurance from some some carrier. Let... Let's let's call it Carrier X. And Carrier X also sells $50,000,000 worth of insurance to everybody else in your state in in The United States, wherever you're at. Now they... In order to carry…