This is going to sound crazy, I know. But what if, hypothetically speaking, rather than an across the board ALV/TLV cut, the company would off these lines that were below the ALV. Maybe we'd just call them incentivized special lines or something like that. Or maybe, stick with me here, a paid LOA for people to go away for 6/12/18/24 months with say, a few month call back obligation.