 insurance plans, which we'll now refer to as the monsters, have run things a little bit differently than the typical beneficial business structure. A patient comes in for an exam and they have the monster insurance. They get an exam in glasses, but this time, since they have the monster insurance, they pay the contractual amount so they pay much less. Instead of paying the usual and customary amount, they pay the copay amount for the exam and the contractual amounts for the glasses. In this scenario, the optical has to pay their cost for the frame to the manufacturer. The monsters have said, oh, don't worry, we'll pay the lab bill for you. And we say, oh, great, that'll be fantastic. They pay the lab through what's called a chargeback. A chargeback is a fee that's taken from your check by the insurance company. So we wait for our checks from the insurance company, only to find the amount of the chargebacks are often higher than our normal lab costs would have been for the lenses anyway. What little is left over is there for you to allow your business to run. In this structure, the only one who really makes money is the insurance companies. The monsters are collecting premiums before the patient even comes in. It doesn't take much common sense to see that the insurance company is taking those chargebacks from you to pay the lab. They're getting a certain amount from the lab and they're pocketing the rest. And then when it comes to the frame vendors, they own and actually encourage us as private independent opticals to purchase these frames when in all reality, you were actually making less money if you do the math all the way through the process. If you're wanting to learn more about what the monsters are doing in our industry and how you can become an open access provider, Spexy University actually has a course called the monster course that you might want to look into.