00:51:51
when we had gobs and gobs of money in the fund balance, and we wanted to avoid having big premium increases on the staff, so we took monstrous amounts of money out of, I thought, I mean, my little voice in my, I'm no actuary, believe me, so I felt very out of my skillset here, but it made me very nervous because we took a large chunk of money out of the fund balance, we put it into the operations for all very good reasons, and then,