There are a few things in this world that annoy people. We all know what they are. First there are taxes, then there's horrible traffic, a bad cup of coffee, and shady insurance companies. These are all irksome realities that most of us have dealt with before. The trick is to always focus on the good. That's the key to happiness in life. I will say that probably the most annoying one for me regards the insurance companies. First of all so many of them charge too much. But worse yet, they act like they don't know you when you need them most. That's bogus! Now, don't get me wrong, they are some diamonds in the rough. The difficult part is finding them. But don't give up just yet. The truth is even if you don't make a lot of dough, you can acquire the services of a low income health insurance provider.

Many Americans require the services of a low income health insurance company. However, so many of them have no idea where to look. Okay, stop for a moment and think. Where is the absolute best place you can search for a low income health insurance provider or any insurance company for that matter? Wait, I've got it; the World-Wide-Web. Yeah, that way you can simply punch a few words into a search engine and find all the information and facts you need. The thing I love most about the Internet is all the wonderful feedback. You seriously can't put a value on this. Think about how much knowledge and personal experience it provides you with. You actually get to hear what others think and how their personal experiences are. This will make it easier to pinpoint a low income health insurance provider. It's also easy to find out how they're rated and who is ranked number one. I would pay attention to this if I were you. Sure you want a low income health insurance provider, but you also want them to come to your aid when needed. You must consider both factors. As much as I hate to say it, many insurance companies are notorious for bailing when times get rough. They literally search and search for ways to get out of helping you. They love taking your cash, but that's as far as it goes.

Use your sources wisely and find a low income health insurance company today. The last thing you need is to have medical bills, but lack the proper coverage. Don't let your self get in a bid like this. Find the right low income health insurance provider for you now.

Before I went away to attend a major university on the East Coast, my parents sat me down to give me some advice. They gave me the standard speech about how important a degree would be for my future and how I would have to be mature enough to do all my homework and keep my grades up without anyone there to remind me to do so. And of course they gave me a long lecture about why I should stay away from drugs and alcohol — all in all, it was the usual parent stuff. In fact, the only unexpected thing they did was tell me to start researching college health insurance plans before I left.

This was unexpected because I figured I was covered on my parents' policies. This was true, but my dad explained that a college health insurance plan taken out specifically in my name would be much safer and more convenient in the long run. Apparently, my parents' policy was very restrictive as to the doctors and hospitals that could be consulted in the event of an emergency. So if I had my own college health insurance, I would be able to seek treatment near my school without worrying about whether I would be covered or not.

Getting a college health insurance policy in my name sounded like a smart thing to do, so I went online to start checking out the various plans that are available. My parents had given me some basic guidelines as far as what to look for in a college health insurance plan, such as premiums, deductibles, annual caps, and breadth of the company's medical network. I treated my college health insurance search as I would a school assignment, and put all the results of my research into an easy-to-read chart. This made it simple for my parents and I to sit down and compare the various college health insurance plans that are available.

I left the final decision about my college health insurance up to my parents. After all, they have more experience with that type of thing and would be able to evaluate the different policies much more effectively than I could. When all was said and done, we selected a pretty comprehensive college health insurance plan that would provide coverage for everything from minor illnesses to major accidents.

Although I hope I never have to actually use my college health insurance coverage, I'm glad that I have it. It gives my parents some peace of mind because they know I'll be taken care of even though I'll be more than a thousand miles away from home. Plus, now I know that with my college health insurance plan, I won't have to uproot my life to come back home if I get sick. And that's what gives me peace of mind.

One of the first things you need when you purchase a new car or truck is vehicle insurance. Insurance rates will vary greatly depending on how long you have been driving, what kind of vehicle you are buying, where you live, and if you have been in any accidents. If you think all of this is too confusing, you are not alone. Many people have no idea how to get a great rate on vehicle insurance, and many are paying too much. Getting a great price is going to mean some work on your part, but in the end, you will be glad you spent the time searching.

There are some companies that offer to give you the rates of their competitors as well as their own. This is a great service, but how do you know if they are giving you the lowest rates? They may give you the actual rates another company is offering for vehicle insurance, but the lowest ones may be left off of the list they present to you.  They are a business after all, and they want your business. They may not see this as lying, but rather as an omission. This omission can cost you money.

You have to do the legwork yourself if you don’t want to go to an agent. Have all of your information in front of you, and clear a few hours from your schedule. Have all of your driver’s information in front of you, as well as the information for every other driver in your home. You should know everyone’s driving history, and have your current vehicle insurance information ready as well. You will be asked a long list of questions, and will probably have to wait a few days for a quote, but after you find the best price for vehicle insurance, you will think of it as time well spent.

Also remember that every little detail counts. If you are looking for vehicle insurance, remember that safety is a number one concern. If you live in a safe area, have taken defensive driving courses, and are free of accidents, you are going to get a better rate. If you are not financing a vehicle, you don’t have to have full insurance if you don’t want it, and that will save you money as well. A great price for vehicle insurance is out there; it will just take a little work on your part of find it.

The cost of healthcare is one of the biggest problems looming over the United States. People are spending a lot of money on programs through their jobs while others are in desperate need for temporary health insurance. Finding a sound company to take care of short term health care needs is crucial to some families.

There are times in our lives in which some unexpected things happen. Sometimes these occurrences are fortunate and sometimes they are not. Temporary health insurance can help you overcome an unexpected injury or sickness in your family. These events can take a toll on an individual and his loved ones. Having no insurance can be devastating to everyone involved.

Many temporary health insurance providers provide coverage that allows you to continue to see your primary healthcare physician. This is a great benefit for anyone who has a regular doctor. This is also a great benefit for anyone who prefers going to one hospital over another.

My sister is about to have a baby. She discovered that her position as a supervisor for the department of aging will be dissolved. She also discovered that she is high risk and had to leave the position early anyway. Unfortunately, her job had excellent healthcare coverage.

She was not only losing her position. She was losing her healthcare. The next step was to immediately look into finding temporary health insurance to cover the expenses of the delivery. We were not sure if the pregnancy was a “pre-existing condition” or not. Fortunately, the representative for the temporary health insurance provider said that it isn’t.

My sister had her choice of short term insurance to cover her stay at the hospital and I was thrilled to see that there were so many options available to anyone in need of temporary health insurance. Another great feature is that the application process can be completed online. With all of the stress she was already under the last thing she wanted to do was run from one office to another.

It is easy to apply for temporary health insurance online. You simply choose your state and provide your information. The healthcare coverage organization will give you a quote in no time at all. You can opt for a plan that last 30 days or as long as 12 months. After only a few minutes on the computer my sister was well on her way to peace of mind.

The unexpected is bound to happen. Hopefully, the unexpected incident will be a fortunate turn of events. It is good to know that you can get temporary health insurance if it is an unfortunate turn of events.

Life can come at you fast. It's simply impossible to know what's around the corner. This is why we all have to take necessary precautions. In other words; do you have health insurance? Some people actually have no medical insurance whatsoever. This is completely absurd in the unpredictable world we live in. That random fall or dreadful car accident could happen today. Are you prepared to grapple with those hospital bills? The fact is, medical insurance is just an inevitability of life. You always want to have it just in case. If the time does arise when you need it, you will thank God you planned ahead.

I heard a story recently from an acquaintance of mine who has no medical insurance. She never expected to use such a thing. Sure, maybe dental on occasion, but never medical. I mean come on, the girl's only 23 years old. What could happen? Well, this is what happened. She manages a truck stop, and while conversing with an employee one night, a brute strolls in with a nasty temper. Before she knew it, the employee she was conversing with is being attacked by the brute. Now, when she decided to intervene and be the hero, she was stabbed in the shoulder. Wow, what a reality check. You try and do the right thing, and life smacks you in the face. Now comes the problem with having no medical insurance. After being hospitalized for a couple weeks, her medical bills are now around 30 grand. However, this is not the end of it. She still has to go through physical therapy; not to mention the mental anguish of almost dying. How much will the psychiatrist charge? The point is, you simply can't know what's in store for you. Life is so random for us all. I wanted to use this girl's recent story as an example because it's true. Sure it's sad, but still reality.

These days, no medical insurance equals trouble down the road. Even a minor hospitalization can set you back for a long while. The problem is that most of us don't believe that we will ever use it. Get rid of your fantasies and purchase a decent medical insurance plan today. Don't end up in the emergency room with no medical insurance. If nothing else, insurance offers you piece of mind. Although I have not used my medical insurance yet, I understand I may need it in the future. I choose to be prepared for what lies ahead.

When we head off to college, our minds are filled with fantasies of parties and hanging out in our own pad.  We think we've got it made with freedom at our fingertips and rules out the window.  Never again will we be told what to do.  Okay, well some of us have that delusion, but others are instantly stressed to achieve good grades and by facing life without our parents, who had been covering all expenses up until now.  With all of this reality setting in, the last thing we need is something else to worry about.  The headache of expenses and keeping up with our homework loads, consume our every moment.  Although we are young and healthy for the most part, we still need to be prepared for the worst.  This is why medical insurance for students is crucial.

When I first went off to a University, I didn't have any health insurance.  In fact, I didn't have any dental either.  I knew nothing about either one, because I was always covered under my parents in the past.  Mt first thought was to look into medical insurance for students.  Maybe there would be some special, cool rate that I could get for being in school.  When I accessed my University's website, and looked under student insurance options, I noticed that it said, mandatory health and dental plans for full time students.  At first I was confused.  Then I dug a little deeper and discovered that I had been paying for insurance since I started classes.  I was a full time student, therefore they charged me for medical and dental coverage.  This was a small fee that was taken each quarter when I began new classes.  I was totally relieved.  It even gave me a complete rundown of how I was covered.

If you lack any kind of coverage, and are attending a University or community college, you should look into medical insurance for students.  This can be a life-saver if you need it.  Imagine if you had to be hospitalized for a few days.  You most likely don't have thousands set aside to cover this.  Even if you're not interested in dental coverage, at a minimum you should acquire medical insurance.  College life can be a big enough hassle on its own, without having to worry about health issues.  It is always wise to check your school's plan.  They probably already have a form of medical insurance for students available to you.  Typically if you're a full-time student, options are in your reach.  Don't wait until it's too late, look into insurance plans that suit your needs and budget.  The Internet will guide you on this search for insurance coverage.

Are you thinking about sticking it to “the man” and leaving corporate America for the freedom of your own business? Self employment is a popular choice and if you have a good business plan your business can thrive.

However, insurance for self employed individuals is something to consider. Depending on the type of business you own, you might be required by law to buy certain types of insurance. Other types of insurance for self employed workers might not be required but are still a good idea and worth the cost.

Deciding on the right plan can be overwhelming. This is especially true if you’ve never had to deal with the intricacies of insurance before. It’s not that complicated once you understand the basic policies and what they each cover.

The first place to look when considering purchasing this type of insurance is actually the Internet. Not only will you find many companies all wanting to sell you insurance for self employed people but you’ll also have an incredible amount of research information at your disposal.

One of the most important considerations when you are thinking about this is whether or not you will eventually hire employees. If you are currently a one man or one woman show, so to speak, your primary concern will be insurance for self employed individuals that covers things like medical and accidents.

If you expand and decide that you need extra hands, you’ll be faced with another decision. Most employees demand some sort of insurance coverage and for the person who is running their own small business, the costs might not always be feasible.

Therefore it’s often a good idea to hire others under a work for hire arrangement where you specify in writing that you wont’ be providing insurance coverage to them. They may balk at this but it’s your business and if you don’t want to carry that extra cost, you shouldn’t. You will already be responsible for the premiums on your insurance for self employed individuals to cover yourself.

Once you’ve researched all of the various types of insurance available call your local insurance agent. Ask him or her if they are educated in insurance for self employed people. If they are, make an appointment with them to discuss the coverage that you feel you need. Listen to their input and then make an informed decision about what you need and what will most adequately cover yourself and your family.

Unfortunately whether it’s car, home or medical, insurance is a necessity and important. When you are considering insurance for self employed people have all the information you can available to you so you know exactly what is and isn’t covered.

Many people put off getting life insurance because they don’t have the time or the inclination to get a medical exam. There are now companies that offer no exam life insurance to healthy individuals.

If you don’t have any serious medical conditions such as HIV, cancer, or diabetes than you will probably qualify for no medical exam life insurance. In fact, most people without health problems do.

When you decide to purchase no exam life insurance you’ll probably first want to receive several quotes from insurance companies. This allows you to have a wide range of options. The quotes for no exam life insurance will include the amount of the insurance along with the monthly premiums you would be expected to pay.

Many insurance companies do offer no exam life insurance but you’ll find that the benefit amount is less than if you decided to get life insurance that did include a medical exam. However if you’re not looking for a large policy than no exam life insurance is really a good choice.

You can get quotes by contacting an insurance broker. He or she will take down your information including the amount of insurance you are looking for. They will then contact insurance agents from different companies to receive quotes for the no exam life insurance. Once they’ve done this they will supply you with the information. From this you can choose the company that best suits your needs.

If you already deal with an insurance company you can contact them and have them refer you to an agent who handles their no exam life insurance policies. Again, they will collect your information and then give you a quote.

When you do decide on a policy there will be some documents for you to sign. One of these will be a medical form in which you’ll be asked specific questions regarding your medical history. It’s vitally important that you are as forthright as possible when filling out this questionnaire. If you do pass away from a pre-existing medical condition that you didn’t divulge on your medical form, than your insurance policy might be void and your benefactor won’t receive anything.

Life insurance is an important investment and if you are in good health than strongly consider applying for no exam life insurance. It’s a fast, convenient and hassle free way to get the coverage your family will need in the event of your death.

Remember the college years? These were possibly some of the best times of your life. I mean come on; just ponder all that homework you used to stay up all night doing, and all those midterms and exams you took every quarter or semester. That was fun and exciting stuff, right? Hoo-rah! Okay, that's more of a military thing, but anyway. The truth is that with college comes good and bad. There's typically not just one or the other. Sure, you do a little homework, and then you go out and get wild and crazy with your buddies or dorm-mate. There's a balance. Oh but wait; we don't want to forget about the financial side of it all. And we certainly don't want to disregard college health insurance. This is imperative.

When it comes to college health insurance, many students don't have the slightest clue. I should know; I was definitely one of them. It actually wasn't until my sophomore year that I realized I had college health insurance. And college dental coverage for that matter. For some odd reason I had been assuming I had none. This was totally not the case. One day it just hit me. I suddenly thought that I had better get college health insurance and get it fast. Who knows what could happen? I may randomly break my arm or something. Life is just too unpredictable to not have some sort of insurance. So this is when I did a little digging. I pulled up my college's website on my personal computer and got the rundown. In no time at all I was able to discover that I already had college health insurance. It was through my school and the payment for it was deducted each quarter with my tuition fees. It truly wasn't much at all. I checked out what all I was covered for and it seemed perfect for me at the time. Heck, I even had a dental plan in place. Who'd have ever thought that college health insurance was provided for you if you were a full time student? Okay, well probably a lot of folks, but I wasn't one of them. Regardless, it felt great to suddenly know I had coverage.

Are you in need of college health insurance? Well, if you are currently enrolled at a University, and are a full-time student, chances are you probably already have it. Or, you at least have easy access to acquiring it. Modern-day college health insurance shouldn't cost you much if you're attending college full-time. Hop on the web and see for yourself.

Almost everyone needs to know about auto insurance companies. Even if you don’t drive right now, you may one day find that you need to. Even if you live in the city and have no need for a car, you may find that one day you move from the city and suddenly, a car is a necessity. Though there are some that go through life without driving, you know that almost every does so. This is why there is such stiff competition out there for insurance.

You may notice that auto insurance companies have a lot of advertisements on television, and you may also notice that they are vastly different in appeal and target audience. Some products have a simple audience they know they must reach. Almost any product has an age and gender group they target and they place their ads accordingly. This is not the case with auto insurance companies. They have to target everyone. This is why the ads are so diverse and are on at all times of the day. They have to appeal to every age group and gender, and that means a huge number of different ad campaigns.

Because there are so many ads out there by auto insurance companies, it can be easy to get confused. Who really is the best? Truthfully, there is no right answer to that question. You want to save money, everyone does, but your location, automobile, and your driving record all play a part in how much you pay. You also pay more for full coverage. Auto insurance companies can’t promise you the best deal because each individual will have a different story when it comes to what they need and how much it will cost them.

There are some auto insurance companies that offer to compare prices for you. It sounds good in theory, but I’m not sure I’m buying it. They can say they are giving the quote from other companies, but how many of these quotes are accurate? I know that one of the auto insurance companies give you four quotes from other companies. The problem with this is that there are so many companies out there that it is impossible to know if they have selected the highest quotes and left off the ones that might truly save you money. The best way to get the best price is with old-fashioned hard work. You have to check it out for yourself.

Do you travel frequently? Do you fall sick every time you travel?

If the answer to the above questions is yes, then tell me, do you have travel insurance?

Did you just say no?

Then sweety, I think it is high time that you protected yourself with a travel insurance. A travel insurance covers the risk of life as well as certain unavoidable conditions such as an attack of appendicitis.

In my opinion all cruise vacationers should buy travel insurance as then you would be able to enjoy your vacations without worrying about the cost incurred, if you fall sick.

So, what are you waiting for? Or have you already called your insurance agent?

Did you know that Sanlam, South Africa's second largest life insurer, has confirmed that it is examining a possible acquisition of  United Kingdom's life insurance business of General Electric (GE), as one of  several opportunities for enhancing its capital efficiency.

No. Then read on.

As per the previous performance graphs which I have seen often published in newspaper it can be judged that Sanlam continuously looks for ways to enhance its capital efficiency and returns to shareholders, which is true.

Though the deal has not been finalized, I thought it was important to keep you abreast of all that is happening on the insurance front.

More than 40 percent of Americans making between $20,000 and $40,000 a year live without an insurance. Hard to believe? Well, read on.

Sara Collins, Commonwealth Fund senior program officer says:

20 percent of working adults are paying off medical debt - often $2,000 or more and 60 percent of uninsured adults with chronic illnesses such as heart disease skip pills to save money.
… the 40 percent figure is a dramatic and rapid increase from 2001, when only 28 percent of the people in this moderate income bracket were uninsured. The jump in uninsured among those with modest incomes is alarming, particularly at a time when our economy has been improving.
If we don't act soon to expand coverage to the uninsured, the health of the U.S. population, the productivity of our workforce, and our economy are at risk. For an uninsured person, who is unlucky enough to get sick, it is easy to see how quickly they can fall into a downward spiral of debt, forgone care, and poorer health…

I think the concern of the government is a step forward and if it is actually able to work on this, then definitely they will be able to eliminate the risk of low productivity. This because their workforce would have better medical conditions.

And if the productivity is not low then the economy would improve rather than being at a risk.

Imagine the pain that you will feel if your loved ones pass on? Your car has been stolen? Fire breaks inside your house or you became jobless? What would be your next step?

These questions might storm your brain, an end number of times, right?

The answer to all these questions is insurance. In fact, it is insurance that holds the key to your happiness.

Insurance can be of many types. It is not necessary that the insurance plan that suits you would suit your neighbor also. So, make an informed choice, when choosing which kind your insurance to take.

It's just a matter of setting aside a few dollars every year to secure your future happiness. If simply by taking an insurance cover you can restore calm and peace in your life then why not opt for it?

When calculating your financial requirements, don't forget to calculate your insurance cost. I might sound silly here, but life insurance cover is very important for you and your loved ones.

Have you ever realized what will happen to your family when you die?

You should have enough life insurance or resources to be able to cover funeral costs and related expenses. This would not put your family members in a soup.

Leave your family on more stable grounds so that they need not to look at others for their survival needs.

Still thinking? Call your agent now and talk to them.

I am fit and fine then why do I need to have an insurance? You might ask this question an end number of times. Yes? Well, here is the answer.

Purchasing life insurance can protect you against losses that you cannot afford. The need for life insurance is not the same for everyone. It varies according to a person's financial plan and stage of life.

In fact, I feel that to remain secure and tension-free an insurance policy is a must. Buy a policy now and stop worrying about your future.

When you are able to insure just about everything, why do you think about paying for dental insurance?

Visiting a dentist can be costly, but you can't avoid that. Good dental health is not only important for your appearance, it is important for your overall health too.

A good dental insurance policy can help cover the costs of dental treatment whether it be an emergency or a routine check up.

What are you waiting for? Rush for a dental insurance and forget the biting costs, just smile!

Senate Majority Leader, Bill Frist at Des Moines University, said that he is going to present a bill that would pool small businesses health care costs. This bill would help reduce the number of uninsured Americans.

That sounds wonderful to me as it shows the concern for the uninsured people, who will now be able to avail the benefits of  health care costs.

I also feel that it is an example of good legislation. It lowers the regulatory burden. It makes some sense and at the same time also allows pooling of interests. With the greater affordability comes greater opportunities for coverage of those, who are uninsured and out there to work.

Now people can have insurance that will help to improve their health standards. In fact, every country should pass a bill that shows its concern for the natives health and well being. Good thinking, Mr. Leader!

A bill requiring Central Valley property owners who live in flood-prone areas to have flood insurance has died without getting a vote in a state Assembly committee.

"I think we've missed a very important opportunity to make sure people are protected so that when a flood comes, they'll have something to fall back on," Dave Jones, an assemblyman, said.

The bill would have required valley property owners to buy coverage through the National Flood Insurance Program unless the state or a local agency certified that levees provided at least 200-year flood protection.

Current law bars lenders from making or renewing a loan on property without flood insurance in an area without at least a 100-year flood protection.

The bill was opposed by insurance companies. But, I personally feel that there is nothing to oppose! Why are the insurance companies thinking about themselves only? Has humanity taken a back seat altogether?

Health- care advocates in Albuquerque are hosting events next month to pressurize lawmakers to make health coverage for uninsured Americans top priority! Now, that sounds interesting to me.

As part of the 'Cover the Uninsured' week, Albuquerque advocates are hosting a workshop on a low cost insurance option for small businesses.

The State Coverage Insurance program allows businesses with 50 employees or less to insure an employee for $75 per month. The not-so-affluent people will benefit greatly from this program.

To be eligible, the employee's family income must be 200% of the federal poverty level or less, and the employee must not have had insurance for at least the last six months.

State Human Services Department spokeswoman Betina McCracken said that she is not disappointed by the results so far. She said that 4,350 people have already been signed up for the coverage.

McCracken said her department is kicking off an advertising campaign to draw more employers' attention towards the plan.

Well it seems a logical step taken as more and more people with low income can benefit from this idea. I think it's nice that people are taking the initiative to host events that make people aware about their health care.

Bravo all health enthusiasts! Keep the good work going!

According to the Automobile Association of America, insurance alone costs car owners an average of $939 a year. Just follow the action plan given below to cut down on your car insurance costs.

Get credit for driving less:
If you are one of those people, who have started driving less, then tell the insurance company. Driving less than 5,000 miles a year will give you 10% off on your insurance.

Check your credit reports:
Your credit history may be influencing your auto insurance premiums. A 2004 survey found that 79% of credit histories contained some type of error. You can get your free credit report at websites like www.annualcreditreport.com. Make sure that you report any errors to the Federal Trade Commission.

Get a professional discount:
In some states large insurers give discount for people in certain low- risk professions. So check out what professions can avail the discount and apply for it.

Join a club:
Some insurance companies offer discounts to young people, who join civic or community organizations. If you are thinking about switching your insurance companies, make sure you ask them about these kinds of discounts.

Drop coverage on your old jalopy:
If you have an old car you may not want to drop the comprehensive coverage. That's because you'll probably pay as much in premiums over a few years as you'd pay to replace or repair the car.

By following these tips I have availed the benefit of lowering my car insurance costs. You should also try to avail the benefits available. Why pay extra money, when you can afford not to pay!

If you are still working, then your largest asset is not your house, your health, or your company pension. In fact, your largest asset is your ability to produce an income.

I might sound rude but it's a fact. I bet you think 'bad stuff' only happens to the other guy. Well, to the other guy, you’re the other guy. So change the, 'It won't happen to me' attitude.

It's high time you got yourself insured. And till the time you are earning you have the freedom of choice. So, exercise that choice.

Don't think 'Insurance is too expensive'. Can it ever be more expensive or precious than your life?

Stop wasting your time thinking silly things and behave logically. A word is enough to the wise!

I don't need to tell you how expensive cancer treatment is. Many people have to loose their lives due to insufficient funds. In the light of this fact a step taken by Korean Government is worth loads of praise.

In it's effort to reduce patients' financial burden and reduce the number of cancer deaths, the government of Korea has approved plans for the national health insurance to cover up to 80% of medical costs arising from various cancer treatments by 2015.

Doesn't it sound great? At least people will not have to die due to insufficiency of money. What say?

Surprised? Same here!

The Catholic Church in Kenya has launched an insurance company that would cater to its followers with investments and cover policies.

Have you heard about something of this sort earlier? Sounds like a great idea. This is what I call a combination of spirituality and security.

My ten on ten to the idea. What do you say?