Hi. Yeah, let me break down the three insurance policies. You don't really need first extended store warranties, right. You're at the counter, they're trying to push that on you. Let's say you buy *** television. The manufacturer already offers you *** warranty. Then the store right at the counter offers you the extended warranty. On top of that, you don't need the extended store policy. Here's why the manufacturer's warranty will often cover *** certain amount of time or it will cover the entire life of the product. And if they don't replace the item completely, they'll repair it. And here's the thing most of the time, it actually costs less to repair an item than the cost of the extended warranty. So what's the point next? Rental car insurance experts say you may be better off without it because your primary auto insurance may have coverage for rental cars. For example, progressive says if you carry comprehensive and collision coverage on your auto policy, you'll be protected against physical damage to your rental car and finally travel insurance, it can add hundreds of dollars to your vacation. But now hotels and airlines, they have friendlier policies since COVID especially most hotels will let you change or cancel your reservations up to *** certain point. We know that some are even now 24 hours before even airlines have more flexible change policies if you need to reschedule. So why pay travel experts say travel insurance is only necessary for non refundable reservations you've made. And if you're planning *** multi destination trip that's taking *** huge chunk out of your budget. One more thing I want you to remember for all three credit cards offer *** lot of protections, some offer warranties themselves, the credit card themselves on top of the manufacturer's policy on big purchases and car rentals and travel credit cards. You know, credit cards are really focused on the travel offer insurance perks as long as you use your card to book that trip. So check those policies before you start shelling out extra money. That's all for today. Back to you.