Stop Filing Those Insurance Claims: The Truth Online Advisors Don’t Tell You | Episode 102

Get the estimate. Okay. Get the estimate. We get the call. Hey, I've got damage. I don't have any ability to walk you through this process until we know the numbers. I need to know what we're dealing with. Like in your instance with the window. Like, right, how much is it going to cost to fix that thing? I have to know.

And when you say get the estimate, you're relying on the client, your client, yes, to speak with someone and say a professional, perfectly licensed, bonded, and insured. Let's use the green tree run example. Green tree run. I called someone, said, hey, uh, come on out here.

How much how much does it cost to repair this major issue that my insurance company needs to make good on?

I need to have a check in the system.

Can you give me a report where's my $175? Yeah. So you say get the estimate. What if they say I don't know anyone? Okay. Then what do you what do you do to help? Ask someone. Call someone. Okay. Do you do you recommend people? I do in times.

Can you recommend people? I can. Okay. Cool. Just wanted to check. I say listen, I don't have an affiliation, but I've had other clients use these people. They're pretty good. They've they've done good work for other people that we know. Connecting. Yep.

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Hey everyone. Welcome to another episode of Bricks and Risk. I'm Timothy Michael Gardy.

And I'm Sean Manny. This is a serious podcast.

Yeah, let's this is we're not cutting that. We're going with it. All right. So let's try that again.

What what are we talking about today, man? Today we are going to uh discuss uh a response. There was a post on LinkedIn that we found that I found.

This is part of the nothing doc, which has since turned into nothingness colon the saga. The saga. Yep. Nothing divided by nothing.

Actually called. Nothing divided by nothing. Yeah. Equals nothing. Um, but uh something that caught uh my it was on my feed, caught my eye, and it was basically the gist of the post. So it was like a it was like a PSA from from an attorney.

Was it attorney or was it someone else in insurance? Attorney. Okay, cool. I didn't know that.

Yeah.

Okay.

Um who posted out and said the gist of the post was hey, there's a lot of scuttlebutt out there about insurance and claims and filing claims, and don't listen to them. Don't listen to anybody that's telling you anything other than you have a claim, you file the claim, you file the claim, you file the claim.

It's kind of like uh in the movie Signs. Yep. M. Night Shyamalan, where he just says, swing away. Just swing away. Right. File away. File away. Okay. So he's saying file away. Anything and everything. Screw it. You got a nail pop. Screw it. And your general contractor, your painter said, it's a service call, spackle, paint, two trips. I gotta let it dry. That's gonna be $500, or that's gonna be $800. It's probably more $1,500 in today's world. Yep. File away. File away. Swing away. Swing away. Okay. So his point was file, file, file. Yeah. Now, again, that's one person's opinion. Correct. It's not someone who's even in insurance, which I did not know. I thought it was someone in insurance. So, what we're doing for this one, folks, is we have a couple questions that were actually points in this person's post that I'm gonna ask Mr. Sean P. Mooney here, and I'm gonna get his take on what he thinks about his points that he was so vehemently making. Yeah. Okay. Point number one. The financial benefit of filing a claim typically outweighs any potential premium increase. Agree or disagree.

The financial benefit of filing a claim typically outweighs any potential premium increase. Don't overthink it, Mr. Glass half empty. Uh I would say in that circumstance, I would uh agree. Okay. Why do you agree with that? So if you think about it on the spectrum of so I'm only talking about This is like more, he's talking more in like broad. Yes, okay so um so generally if you have a claim you're gonna have damage more times than not, it's gonna be significant damage. And that damage, let's call it just ten thousand dollars, is going to outweigh uh more than what your premium is going to increase year over year. Gotcha. So in that vacuum of a statement, that one I would agree with.

Okay. So you agree with number one. Any parts of it that are like a little gray?

Yeah, I mean, so we get calls all the time. Hey, I I found some shingles in my backyard. Okay, you know? Is that claim worthy? Could be. It might not be. It might be you pay, like you're an example, you might pay the roofer, go back up there, put a couple shingles back, and you're good to go. So in those instances where there's claims that are of higher value, that makes sense, but there's a lot of cause. There's a lot, I mean, as a homeowner, how many times does something occur in your home where there's something that causes some damage and you you fix it for, you know, under a thousand dollars?

Do you know what's funny? So this is before you and I were working together. So you had probably just gotten into insurance, maybe you're in insurance like two, three years. Yeah. Um, and I'm probably 25. Okay. I bought my first condo, Green Tree Run, shout out. And um there was a roof leak. Now, Green Tree Run was a condo. Correct. So basically, what meant what that means from an ownership standpoint is that if the roof is leaking, the homeowners association, the HOA, the condo association, is responsible for repairing the roof because they own that. Right. I don't own that. But what happened because of that, it started staining on the ceiling. Or maybe you get paint starting to peel, and maybe it's like the drywall starting to move a little bit, and you're like, oh, what do I do? I should file an insurance claim. Yes. And I remember this. Again, I'm probably like 25. I don't know anything. There is no real internet source to check this stuff. You're just learning through life. You definitely can't chat GPT it. And I don't have Mooney yet. So I remember like filing a claim, and I think they actually like made a claim of it. I think they actually said, oh yeah, because I think back then my deductible was maybe like 250 bucks, something like that.

Okay.

And they're like, okay, yeah, this is gonna be uh probably about five, six hundred dollars. Um, you're you know, you're gonna not get 250, and then we're gonna pay 250 or 300 to help you uh kills and hammer the nail back in and put paint on it. Yeah. And I remember doing this, yeah. And like in today's world, yeah, if you got something like that, people be like, What are you crazy?

Why would you now again one example to use um firsthand by having that because it's these things do happen. You do have these little instances around the house just by way of being a homeowner that will occur, that pop up, that you're gonna have some damage, and then it becomes a uh question as to is it claim worthy or not?

I remember it's just like even back then, I'm like, well, isn't that why I have insurance? Yeah. That if I have any kind of damage to my home, they're supposed to help me with it. We have people that come to us and they have six homeowner claims. They're like my fridge stinks. Can you give me some uh can you give me some baking soda so I can open it and put it in it?

Yeah. So the vast majority are you know minor, moderate things that uh would not outweigh the increase. But okay.

All right, let's get to uh point number two. Yeah. If your insurer raises your rates, you can shop around. Yeah, agree or disagree. Agree, 100%. Okay.

Yep. Why do you agree? So uh especially over the last few years, we've seen increases. Um and so uh well within your right to um, you know, shop around. We do that for our clients. Um what I would say is what where we see the the trap in all of this is that your rate goes up, call someone, call them online, call an agent that's you know not an independent agent. Um and they uh sell you this policy and this coverage without explaining like all of the additional details. They just want the deal. Yep. They want the lock you up, they just want you to commit to them, yep, dump your current carrier, yep, come over to the dark side, and what they may not tell people is what that included what's included in that process of you know, we're gonna come out, we're gonna do a home inspection, we're going to get eyes on your property, so that we're gonna look for any hazards that might be there. And if we decide that the hazard is we don't like it, we're gonna cancel you. The other part of it too is we see a lot, is uh they come out, they do an inspection. We actually had one yesterday where we uh wrote a uh condo association down the shore, and they went out and did a um uh like what I would call like a uh an appraisal to verify, okay, you wrote this policy for a million dollars of uh dwelling coverage to to rebuild that association. We think it's $1.6 million. Gotcha. So the homeowner might say, Oh, I'm gonna call out, I'm gonna get a quote and then insure my house for $500,000. They come out do the inspection, and now you you thought you were saving $400 a year. They say, No, you're not. We have to insure that for $750,000. Right. Now it could be even more than what you were paying, you know, previously. Yep. So the inspections the inspections with the hazards, you know, if you so so let's say they come out and say, Oh, the we don't like these sidewalks, you got to fix these sidewalks, and now you're out $2,000 to fix sidewalks. Now, now are you ahead? Right. Right? So there are these traps that if you look to move your insurance and sign up with an online company, they don't care. They don't care if you cancel tomorrow, they don't care if the inspection goes through. It's all about numbers and conversion. Yep. So so the trap is uh what I would say is trying to avoid those traps that are out there that uh may not have been communicated to you up front. Yeah.

And one thing you have also provided like caution or let's just call it like cautionary advice on is someone thinking they can save a couple bucks somewhere else, which is what shopping around is. Yeah. Now there's nothing wrong with the act of shopping around. Everyone should shop around for everything that they have, just so they can understand what their options are. Yeah. You want to save a couple bucks here, you don't care about the coverage or whatever. You want to take the risk, of course, shop around. Yeah. Like, no worries. Yep. But you had made the example of like, be careful when you shop around. Because if you shop around and you do the example that you just gave, and you're like, oh yeah, we're gonna save you $50 a month, $100 a month, you're like, dude, this is great. Yeah, that's that's like $600 a year, $1,200 a year. Awesome. That's even better than I thought. Not only did I not like my insurance with Mooney, now I get to save $600 or $1,200 with XYZ. And then they go to do it, and then they're like, oh yeah, um, we can't save you $600 or $1,200. We actually have to add $600 in either repairs andor the cost of the premium itself because we just realize that your home's not in as good a shape as we thought it was. Yeah. Or this is a liability, or that's a liability. It's like, it's like you go to sell your car. You go to sell your car and they're like, Yeah, we could probably give you like $5k for that. We could give you 15k. And then you bring it in, they're like, Well, I can't give you $5k. You got a dent on your door. Yeah. I can give you like four. Yeah. And you're like, the F you can't. Yeah. You told, yeah. You know? Yeah. And that it's like you fall into and now you're here, and now you're buying the car, and now your husband or your wife's like, yo, what are we doing? We need to get this car. Like, just take it. Yeah. Just do it. And this is like, this is what happened. It's similar.

And and like think of this scenario too. We've seen it pop up where they go to do an inspection and say, Oh, you have a pool.

Right. Yeah. You have a pool now. I do have a pool. Yeah. Um with that ledge that you could throw. What did they call that? I don't know. But it's like a name for it. Dude, Mooney just got this pool. It's got this ledge where it's like, I don't know, three, three, four inches of water, and it's got an umbrella stand. So you can throw an umbrella in there, throw two beach chairs on it, and sit in your pool. Yeah. And it's awesome. It's not great for swimming around, but it's pretty awesome for sitting in your pool. I need to talk to a contractor about the price to fill it in. To uh to fill in the pool.

Just to just a C. Sounds about right. That cost. Yeah. Um, so yes, you could totally like I talked before is like the lack of frontline underwriting, right? So like if if the if the person writing your policy isn't aware of different things, right? So if you have a pool and say, Are you a pool? Yeah. Oh, well, we you know, do you have uh a locked fence? No. Ineligible. We're done, we're out. Right. So like because someone can just run in and drown. So so now you're scrambling. So now you have a now you signed now, you moved your insurance, you signed up with this new insurance, made a down payment, you contacted the mortgage company to tell them, hey, we're moving this insurance, and now you have to do that whole process all over again.

Hey everyone, this is Tim, your favorite bricks and risk co-host. But don't tell Sean. I hope you're enjoying this episode, and I'll get right back to it in a moment. Our audience grows through word of mouth, so if you would please take a moment of your time and give us a review on the platform you're on, that would be fantastic. Please also help spread the BR word by sharing your favorite episode with a friend. We greatly appreciate your time and trust. Now, back to the show.

The beauty of working with an independent agent like us, like any other independent agent out there, is that we have uh different carriers, multiple carriers, so that if Company A to takes an increase, we can then scour our other carriers to see who might be out there better fit. But we also know the guidelines, the underwriting, the inspections. We know that process and we're totally transparent about it with everybody in terms of okay, if we do this and we move, this is what you can expect as part of the process.

Yeah, I remember one thing, I don't want to get too off track here, but one thing you said before that I've always found like really interesting about insurance that I I never knew until we started doing the show was you had said sometimes whether it's uh um independent, well, it can't be an independent, what what they call the captive. Exclusive, like a big box insurance. Yep. So exclusive, captive, big box insurance company. It just says we want some more market share. Yep. So we're gonna lower our premiums to the general public in a postcard, in an email, on an online crawler, whatever it is. Yeah. Our rates look like they're less than everyone around here because we just want to write more policies. Yeah. And we want to bring them into our ecosystem. And then what happens is like we'll gradually take rate from there next year, the following year, and it's like hopefully they don't leave. Yep. It's interesting that companies do that. So try and think about it too. Just because someone's got a lower premium doesn't necessarily mean that they're gonna be your carrier for years to come. Yeah. Because they might might be more of the mindset, I just brought you in temporarily. This is this is a one-year deal. As soon as your policy renews, welcome to reality. Yeah, which is like really interesting. Yeah.

And I think from the perspective or the point of view from this person who's the attorney who made this these statements, it's of course the uh attorney is gonna want to file and file everything and file every time because that's their perspective, and they could potentially have something to gain from that. And it's with me, like it would actually be better, and I said this before, it would be better for me if you do file that claim in in a lot of these instances, because then you don't have the ability to go anywhere. Right? I'm I'm doing it uh to your benefit, not certainly not my benefit. Right. Right. So if I said, oh, file that claim, you know, if you have a thousand dollar deductible and you have twelve hundred dollars, the insurance company pays out two hundred dollars. And now you have a claim, now you can't go anywhere. Now you're locked into me for the next three years. Right. You can't go anywhere. Right. Um, and certainly not save money.

That's too funny.

So the the advice that I'm giving these people is not to my benefit at all. It's really uh to their benefit exclusively only.

Yep. Interesting. Good points. Yep. All right, here's number three. Don't be afraid to use the policy you've paid into for years. Uh-huh. It keeps the system in check. Agree or disagree? Disagree. Why do you disagree with that?

It's nonsense. It's such a non stop. It's not putting it, it's not like social security. So so what system, what system are you keeping in check by filing uh a claim? There it doesn't even exist.

Is it is it is it saying is is his or her point saying keep keep the insurance companies honest? I don't understand where that point even comes from.

Here's what I'll say. I don't care about a system. I don't care about an insurance company, I don't care about anything else. Yep. The only thing I care about is what is in the best interest of my client. That's all I care about. Which is situational. Is this better for you or is this worse for you? Yep. And that's the decision, and that's kind of the the guiding principle that I'm going to use when discussing a claim with a client.

Why do you think someone would agree with that? Like what would be the mindset or the thinking?

Because it's like the system, the the insurance companies go with it. Are all in cahoots, you know? Um, and if you don't use your cli if you don't file claims, then they all have mustaches and go like this? Yeah. It's collusion and they're all gonna benefit if nobody files claims. And it's just it's like a it's a red hurring, you know? It's just like it's just not applicable.

It's it's almost like conspiracy.

It's of sorts, I would say. Well, it's like how how does Jim Smith's policy and his claim have anything to do with a system? It doesn't.

Right.

So that's in the first two I agree on number three, I'd say uh I disagree.

Okay.

Interesting.

All right. Well, we got our top three, but it's not Timmy G. It's Shawnee P. Sean P. on the backup. Shawnee P.

Drug free. What's what's number one? Oh, that was Donnie. Was that Donnie? No, that was Marky Mark, right?

Yes, it was. It was uh good vibrations, right? Yeah, it's a great job. Look at that. Just heard a couple words and I already knew. Great song. Keep going. Um John Gardy favorite, by the way.

Marky Mark is one of Johnny G's.

Good vibrations. Oh. Top jam. Really? Top 90s jam. Totally. He's like, put he's like, put that put that John on. No. Oh yeah. For real. For real. Shout out to Johnny G. Jeez. Yeah. It's a good one.

It is a good one.

It's like, you know, that's how he gets down.

Johnny G, who knew? All right. Tip number one. Yep. Get the estimate. Okay. Get the estimate. So explain that. Get the estimate. Besides the no, no, no, no. So here's what happens. Now, now, now, no, no, no, no, no, no. Get the estimate. We get the call. Hey, I've got damage. I don't have any ability to um walk you through this process until we know the numbers. Right. I need to know what we're dealing with. Like in your instance with the window. Like, right, how much is it going to cost to fix that thing?

And when you say get the estimate, you're relying on the client, your client, yes, to speak with someone and say, A professional. Let's use the public licensed, bonded, and insured. Let's use the green tree run example. Green tree run. I called someone and said, hey, uh, come on out here.

How much how much does it cost to repair this major issue that my insurance company needs to make good on?

I need to have a check in the system. Can you give me a report? Where's my $175?

Yeah. All right. So, okay, here's the well, let me, I don't want to go too off track. So you say get the estimate. What if they say I don't know anyone? Okay. Then what do you what do you do to help? Ask someone. Call someone. Okay. Do you do you recommend people? I do in times. Can you recommend people?

I can.

Okay. Cool.

Just wanted to check. I was like, listen, I don't have an affiliation, but I've had other clients use these people. They're pretty good. They've they've done good work for other people that we know. Connecting. Yep. Um, so in order for you to have a good understanding of it being worthwhile or not, and me, whether, you know, here's what I tell people. Because there's sometimes um we'll get like a claim notice, and and we won't even have to talk to the client, they'll just call it in. And we see sometimes, you know, they have a $2,000 deductible and it's a thousand dollars worth of damage. Now they have a claim on the record and they're getting zero. Right. So so right. So you did the wrong thing there. You you now you're you're penalizing yourself by putting that claim in and you're netting nothing. That's the negative side of this. Right. Yeah. Yeah. So get the estimate so that you can be aware of sizing up to get the estimate to see how much damage is there, how much it's going to cost. Once you have an idea of the cost to repair, then you can look at all of the different factors.

You know, you have the number. Yep. They can call you. This is what I got. Sean, what do you think of that? And then you can say what you just said. Yep. Don't do that because of this. Yes. This could be your consequence. Yes. I mean, nothing's 100% guaranteed, but it's a very, very high likelihood that this will happen. Yes. Gotcha. All right. What's numero do? Tip two.

Uh, first you get the estimate, and then the next is to call your agent. I'm gonna stress to say if you've got even if they're big box. Yes.

I mean, I know.

Yeah, 100%. Um, your agent's gonna have the best now.

Nothing against big bucks.

No. I'm not i i I'm uh it's it's not um relevant who you're insurance. These tips don't apply to who you're with. Correct. So talk to your agent, and then more times than not, if it's a trustworthy, if it's a reliable agent that you have your insurance with, they're going to try to uh size up your claim and hopefully um tell you what is in your best interest, how to move forward based on the information, the estimate that you have. Okay. So they're able to review, they're able to look at your policy to give you an indication if it will be covered, right? Okay, yeah, there's a good chance that'll be covered. Okay, what's the damage? What's your deductible? And what are we looking at? What it could potentially be on an increase down the road at renewal.

Well, a trustworthy agent is advising. Correct. They're trying to tell you based on the situation and based on the estimate. Yep. This is what I would suggest. Or this is this is let me give you the information and then you tell me which way you want to go. Yep. Maybe you still want to do it. We've had that.

Yeah. It happens. Yeah. Yeah. We've had people where we've literally told them like two or three times, like, hey, it's probably not worth it. Okay. And then they call again like the next year, and we uh this damage, probably not worth it. Okay. You know what? I didn't do it those last two times. I'm putting the claim in this time. It's like, okay. Three times the charm. Whatever you want to do. I'm just giving you my advice. I tell people, I talk to you and I try to give you the information to make the best informed decision. And I tell you it like I'm telling my mother, if I'm talking to my mother about that same situation. It's just how I just what it is. Okay. So if you got someone you trust as an agent, talk to them. Hopefully they steer you in the right direction as to what you should do in that scenario, given the damage.

This is very similar in real estate, too. If you don't have someone you trust, find someone that you feel like you can. Now that could be done through just talking with multiple people. You're like, no, I've always wanted to work with this person. Let me give this person a call now. So having an advocate, having an advisor is huge. What's what's numero trace?

Look at the uh policy, the coverage, everything from 360 degrees, right? Don't just uh have the damage, call in and say, okay, what's my deductible? Oh, it's it's a thousand dollar deductible. Oh, okay. Well, I have thirteen hundred dollars in damage. So my damage is more than my deductible. You owe me three hundred dollars. Right. You have to look at it from 360 degrees in that you have to look at what the damage is. You have to look at the deductible. You have to have an understanding of if you file this claim, what is it going to do with renewal? How is the carrier going to respond to you? Because a lot of times we got one the other day, they paid out on a claim, did a drone, and said, Hey, we, mister, we paid you out on this claim for this roof. You didn't fix the roof, right? Yep. So you have to have an understanding of how the carrier is going to respond initially with the claim and then at renewal down the road, right? And how that is going to impact you going forward trying to find new insurance, if you do decide at some point that you want to look for new insurance.

So there are consequences, yes, unforeseen. Yes. Just like consequences when you drive your car and you get in an accident. Correct. Which I have. And then a few months later, you get into like another another little accident, and then a year after that, there's a hail storm and your car sitting in the driveway. Another claim. And it's all banged up. And there are consequences that I have recently gotten past. Yes. So I will tell you folks firsthand, be careful with your claims.

Just be just it's not being careful. It's being uh informed.

Don't get in car accidents. And don't get in car accidents.

Uh, but being informed to make the best decision for you. And by our friend, the LinkedIn poster, his take is always file the claim. And I would argue that not so simple. It's not that easy. And a lot of times on the smaller claims, I would argue, you know, you live in Philly, you got a car parked on the street, right? Someone takes off your side mirror. Right? Yep. Happens. I mean, Philly's got tiny streets. Is it covered by your insurance company? Absolutely. Is it the best case to like put that claim in and then a and then a year later have another claim for someone just just trying to park and just dents up the back? You know, you gotta pick and choose uh because at some point you have a collection of claims, it's going to be detrimental to you.

Do you know what I would do in that instance? I would go down to the corner store and get some bazooka gum and chew two to three pieces at the same time until you got a nice, nice little ball. I got a good one. Throw that into the spot where your mirror came out of. See what happens. That's a good tip. And the do and the gum is still tasty.

I was driving at my old office. There was a we put parked underneath the um uh like an overhang on the building, and they had these like concrete columns. Ran in, ran out. On the side of the car, I was pulling out, and I cut it too tight, and I was so mad at myself. I was like, and I was like, I'm not putting a claim in. I'm gonna I'm gonna figure this out. So I literally like I'm going Uncle Eddie style. I literally, there's a a Russian car parts guy over in like like Falls Town, no, not Falls Township. Like Bucks County? Yeah, somewhere like Bucks Township. Okay. Somewhere in Bucks County, Pennsylvania. Yeah. And I searched all over. So I call him up. I'm like, yo, this is my car, 2015 Honda Cord or whatever. And he's like, I was like, Do you have any doors that are blue? And he's like, Oh yeah, yeah. Bring it to me. Come on over. And I was like, oh, cool. So I go over and you and you pull in, and there's like this little lot, and there's like a window that you go up to, and you're like, so this color blue? Sketchy. So I was like, I give them my VIN number because it tracks by Vin. So they're looking at you as a scrap metal operation. I don't know what they were looking at. So I walk in, here, oh yeah, yeah. Ivan will come get you and take you. And I was like, what? So then does Ivan like Harak Harris too? So uh yeah, he does. I I walk out in the parking lot. This truck comes screaming around the corner. Oh wow. He's like, get in. I'm like, Whoa, dude. I'm like, what? He's like, get in. You need a door, I'll take you. I'm like, okay. I get in. Dude, he rip, he pulls out of the driveway, rips down this street, and it's like a car parts graveyard that they own. And you pull in, and there's just racks and racks and racks and like acres of car parts, engines, doors, bumpers, you name it. Like every color, every shape and size. You pull up and he's got like the manifest. And he's like, all right, I-1, second tier, third. Get out of here. So I'm like, okay. I walk up and it's like all messed up. It's like mangled. And he's like, What do you think? And I was like, uh This looks worse than my door. Yeah. I'm like, I don't know if this is gonna work. Why am I here, Ivan? He's like, I was like, I don't know if that's gonna work. And he's like, get in. I'm like, what? Take we looked at five doors. I finally got one. Uh I bought a door for like 150 bucks or something. So did they put it on? He didn't put it on, no. So I had to go take it to a collision shop. And I'm like, yo, I got this door. Can you just You roll up? You bump this out.

You got this door in your trunk. You're like, you know where I got this. Pen you.

I swear to God. But it was the length that I think the lengths that I took to like not have that claim because I was so pissed at myself that I didn't want to Oh, that's a great story.

All right. Shut this one down.

All right, everyone. Bricks and risk at gmail.com. That's our email.

Make sure you email or text Ivan directly. Ivan directly so that he doesn't just watch, he also subscribes.

Yes. Uh bricks and risk at gmail.com. Get us on the email, Apple Podcasts, leave a review. We're on Spotify, all the audio uh networks, Facebook, Instagram, get us on there on the DM, LinkedIn, great community. Uh we have going there. Uh you can send us a note and a message in there. If you'd like, reach out. And if we see you come through, we'll get a comment. We'll put it up on the next episode.

That's all we have for this one, folks. Thank you for tuning in again to another episode of Bricks and Risk next week. Thank you for joining us on another episode of Bricks and Risk. Our goal is that you walk away with one or two valuable nuggets, and we greatly appreciate you sharing your time with us today. You can find all BR episodes on Spotify, Apple Music, YouTube, and anywhere else you get your podcast content. Until next time, keep learning and keep growing.