0:28:40 xFactor @xFactorPOL: How do you tap into that reinsurance? When there's catastrophic risk involved, that's usually when when it when it comes in. Right? When it's a policy limit event or something like that. What's your exposure to that stuff in in specific markets? Could you give me a scenario, if that makes sense?

0:28:53 Cliff White @thecliffwhite: Sure. So just to answer your compliance question, every every... Our reinsurance is all regulated by the Cayman Monetary Authority. So it's all sits underneath CEMA. It's a fully licensed BII reinsurance company, which gives it the authority and the capability to write reinsurance really anywhere in the world that recognizes that license. So that's that's who oversees the reinsurance business itself. And then in…

0:30:26 xFactor @xFactorPOL: So Oh, go ahead. No. So just just just to clarify on that point, you guys... Even on a catastrophic scenario from one of these insurance companies, your your exposure is minimal is is what I'm I was trying to ask