It's like a constant and Yang is supposed to be one of the big four accounting firms in the world and their CEOs have that I was like, why are you doing this? Why can't you just buy a retail plan be it for two years, three years be smart about it planet well and just be done with it tomorrow. If there is any issue with the corporate insurance, you can only take it up with your company and the company will take it up with that company. It has no standing if you go in, in terms of the regulator, because they the regulator is like this is a contract between two companies, why should I should get out, I don't want to get into this contract, let them fight, let them figure it out themselves. I can be I can help resolve an issue but finally I don't need to take ownership. Every retail insurance plan is filed with the regulator, which typically means every company has cannot just shy away from the responsibility. A lot of you would have heard that RBI has an ombudsman. If you have a problem with your bank, and your bank does not listen to you. Then you have you go to a grievance officer. The grievance officer does not listen to you. You go to the RBA ombudsman, and you can complain. Similarly for retail policies. You have a similar process. for insurance companies as well, as a guiding idea, and these guys, they will just literally, if they find the insurance company guilty or not responsive, they just find the insurance company first, and then ask them to contest the finding a title. But this happens in a retail policy, you can't do all these things in a corporate policy, in a corporate policy or at the mercy of your HR, and you're at the mercy of the insurance, frankly, and hence, they don't need to be filed with it as well. And they're completely customized. They are like very loose rules which define what they can do and what they cannot do. But yeah, that's what it is. So quick question about the example that you gave like cones, and young has a 10% copay. So say, I have that. And I don't like that late. I say I don't want to pay the 10% copay. Is there still a way to utilize it? Or is it just better for me to give up on the old insurance and get something which might have migrated something or for yourself? We If you look at policy, then the 10%. See, I'll tell you where it can help you, right? See, there are no retail insurance, you have waiting periods, which are very clearly mentioned. If you've not exhausted those waiting periods and you something has happened in between that waiting period, which is not covered by your retail policy, then you're better off claiming this with a 10% copy on this corporate policy. It was okay. Okay, policy covers pre existing diseases from day one. That's the only difference, but it does not grow with time it does not like, like, do any other things. So pre existing disease covered from day one is the reason why, like most people feel that a corporate policy is worth it. But with time and patience after two years or three years, after all the waiting periods are over. There is no difference between your corporate policy and return policy. So assume it's a two to four year lag between corporate policy and negative. And I suppose it Don't even ask me why this logic is applicable and why can't you buy policies with pre existing So some companies have gone ahead and cut now given an option that you can declare your pre existing diseases and get it covered after year one and buyback that waiting period of two years or three years on. So that is also a possibility which typically means that your retail policy will become like a corporate policy in one year or two years. And you just pay extra money for and corporate health insurance is far more expensive for lack for employee than retailing. Health insurance. And because we don't pay for it and company pays for it, we feel that okay. Yeah. My dad, there's nothing called as a free meal, right? Like it's actually that. That sums everything. I want to say. There is an advantage. There's another side to it also.