Okay, so we're going to break down. There are three broad, very broadly speaking, there are three kinds of health plans. From a funding perspective. You have your classic fully insured model, and what this means is that, hey, the carrier says, okay, you're on the hook for $80,000 a month, and the carrier doesn't care if you have tons of utilization, if everybody gets cancer or, or nobody uses the plan at all, you're going to pay that $80,000 a month, end of story, case closed.
And I would call that waste. And so employers, eventually, they'll get hip to that, that, hey, average claim year, we're paying money that for things we never actually use. And if you're on a better level funded product, you, the employer, retain 100% of that claims. Herb, that's left over.