“It's really a health insurance company in its core. So um very simple business model and very well-known business model. You take it a monthly premium and 80% of that premium will go out the door for healthcare costs. And then 20% go to administration and sales and marketing and things like that. That's how every insurance company yeah ah health insurance really operates. But the particular flavor and idea behind Oscar was that, um and this there is a bit of a through line for me there.”