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

0:30:39 Cliff White @thecliffwhite: personally. Way the way, yeah, the way our con... The way we get involved, generally, we we do not take any kind of catastrophic risk. So, you know, we'll we'll generally net that out of any kind of contract or just not take on anything that that involves fully... A full loss, a catastrophic loss like that. So that was... That's just part of our our operating contract, and and we're we're sticking to that for the…