We pre-screen your visitor before they board.
Coverage that lands with them.
We structure visitor coverage the way a claims examiner will read it later. Confirmed VTC carrier panel: TuGo and Travelance; any additional carrier is verified before quote, not assumed from the travel-medical panel. Named senior advisor accountable. Punjabi- and Hindi-speaking claims advocacy when a claim is filed at a BC hospital. We pre-screen your visitor's medical timeline before they board the plane — not after the carrier asks for home-country medical records and the hospital invoice is tied to the Surrey address on the admission form.
If we can't place your visitor safely with any carrier on our panel, we tell you — before you've paid anything.
We would rather decline the file than place the wrong policy.
Different carriers, different stability rules, different waiting periods
from Super Visa and from travel medical for BC residents. If your visitor is here on a Super Visa (12-month minimum mandatory coverage), this page is the wrong page for you — see the Super Visa redirect below.
Send: who's visiting · where they're flying from · arrival and departure dates · their age and any medication changes in last 6 months.
Visitor flying within 30 days? Advisor pre-screen during business hours; after-hours messages are handled the next business morning unless a same-day service window is verified. No obligation. Walk-ins welcome at 150-8888 152A St, Surrey.
Sponsoring a parent on Super Visa? Super Visa insurance for parents and grandparents visiting Canada — 12-month mandatory coverage, IRCC-defined minimums, different product. Travelling out of Canada yourself? Travel medical insurance for BC residents going abroad. All three products use different carriers, different questionnaires, different stability rules, different pricing.
Who this page is for.
If you're a Surrey or Lower Mainland resident and someone from outside Canada is coming to stay with you — your parents from Punjab for a wedding, your in-laws for a few months, a friend visiting from the UK, your sister from California for the summer, a niece on school break — this page is for you. You're the buyer; they're the insured. Emergency medical only. Not trip cancellation, not baggage, not all-inclusive bundles.
Buyer and insured are not the same person.
The host usually pays from a Canadian billing address. The visitor is the insured and may still be outside Canada when the policy is arranged. We separate those two roles at the start so the application, medical answers, payment record, and claim contact all line up later.
If your visitor is here on a Super Visa, this page mentions you briefly and stops. Super Visa requires a different product — 1-year minimum coverage, IRCC-defined minimums, specific carrier requirements. See our Super Visa page instead. If you are travelling outside Canada, see travel medical. The three products look similar from the outside; they are not the same product, and one will not stand in for another at claim time.
Three things most Surrey hosts get wrong before their visitor flies.
1. The home-country insurance myth.
"My parents already have travel insurance from India" is the most common sentence we hear at the counter. Most home-country travel policies do include some emergency coverage abroad — and the coverage caps are usually $25,000 to $50,000 USD, written for short tourist trips, with sub-limits for hospitalization, ambulance, and prescription drugs that exhaust before the second day.
A serious cardiac, ICU, or surgical claim for a non-resident can move from thousands to six figures quickly. If the home-country policy limit is too low, the gap can land back on the host address used at admission.
Some Indian and UK insurers offer Canada-specific riders at higher limits. Most don't. If your visitor already has a policy, bring the certificate — we'll read the out-of-country emergency maximum, the pre-existing condition clause, and the sub-limits in five minutes and tell you whether a top-up policy is needed or whether what they have is enough.
Send us the certificate on WhatsApp. Photo of pages 1–3 of their home-country travel policy. We tell you within 10 minutes whether it covers Canada at meaningful limits.
2. The "buy it after they land" myth.
Most VTC carriers will sell you a policy after the visitor has arrived in Canada. The trouble is the waiting period.
Policies bought post-arrival typically don't begin coverage for 48 hours to 7 days from the effective date — and any sickness or injury that appears during the waiting period is treated as pre-existing under the new policy. The cough that started on the plane and turned into pneumonia by day 3? Pre-existing. The chest tightness on day 2 that became a cardiac event on day 5? Pre-existing. The fall on day 1 that needed an MRI on day 4? Pre-existing.
Most carriers also require a written statement confirming the visitor has been symptom-free during the waiting period before coverage activates. If the visitor needs care in those 48–168 hours, you've bought a policy that won't pay for the reason you bought it.
Buy before they board. The policy effective date should be their arrival date in Canada — set when the ticket is booked, not when the plane lands.
3. The Canadian hospital myth.
Canadian hospitals will treat anyone in emergency — that part is true. The question is who pays.
BC MSP does not cover visitors who are not eligible residents. Visitors can be billed at non-resident rates, and emergency care can move from a routine ER invoice to a serious hospital bill very quickly. The hospital sends the bill to the address on the admission form — which is often the Surrey host's address — and the invoice does not disappear because the visitor has gone home.
"They'll figure it out" is not a strategy. Surrey hospitals have payment plans, but the underlying invoice doesn't shrink.
Confirm what your home insurance and credit card actually exclude. Some homeowner policies provide narrow liability coverage for guests; almost none cover the guest's medical costs. Bring your policy schedule — we'll read it with you in 5 minutes.
Buy before they board — or the waiting-period gap costs you.
This is the single most consequential decision in a Visitors to Canada policy: was the policy effective on or before the day the visitor entered Canada, or was it bought after they arrived?
What the waiting period actually does.
A policy bought post-arrival may not cover sickness claims during the carrier's waiting period — commonly 48 hours to 7 days, depending on the carrier. Injury treatment may be handled differently.
If your visitor needs medical care during the waiting period, the carrier will not pay. Worse: any symptom that appears during the waiting period — even if the underlying condition didn't exist before the flight — is treated as pre-existing on the new policy and excluded for the entire policy term.
Some carriers go further. If the visitor is hospitalized within the first 48 hours of policy activation, several VTC carriers reserve the right to investigate whether symptoms began before the policy was bought — and to deny the entire claim on that basis.
The fix is mechanical: the policy effective date is set to the visitor's arrival date in Canada, and the policy is bought before they board. No waiting period. No pre-existing reframing of arrival-day symptoms. Coverage starts when they clear customs.
What happens if they're already here.
We still write the policy — and we tell you exactly what the waiting period excludes. We do not pretend the gap doesn't exist. If a claim happens in the gap, we tell you that before you buy, not after the denial letter arrives. Some hosts choose to buy anyway because the alternative is no coverage; some choose to wait until the visitor's next trip. Either decision can be defended — what we won't do is sell you a post-arrival policy without telling you what it excludes.
If a claims examiner would flag the arrival date later, we flag it before you buy.
What changes if your visitor's claim is denied.
Direct sellers route you to one product. We compare a panel.
Online VTC sellers usually offer one carrier. None of them is wrong — and the premium you pay through a direct seller is the same as the premium through a broker. But none of them puts a panel against your specific visitor's health, age, country of origin, and arrival timing before you buy. That's what a multi-carrier brokerage does: different VTC carriers have different stability windows, different age caps, different pre-existing condition rider availability, different waiting periods, different rules on side trips and return-home visits. We map your visitor's file against the panel before you bind.
The premium is the same either way. The pre-screen and the post-claim accountability are not.
Kul Shergill — Senior Advisor at Prime, B.Sc., Cert Ed., licensed in life insurance in British Columbia since 1988 — and twelve licensed advisors on staff. English at the counter. Punjabi and Hindi at the counter. Seven days a week, including Sundays and stat holidays.
If a claims examiner would flag it later, we flag it before you buy.
Claims help in Punjabi and Hindi — for the visitor and for the host.
A Punjabi-speaking sale is not enough. The same Punjabi- or Hindi-speaking advisor who helps review the file before purchase can stay involved when the claim hits friction — when a discharge summary needs explaining, when an adjuster requests home-country records, when a denial letter needs to be reviewed in language the host and visitor both understand.
Translation is not the same as file continuity. Our position is simple: the person helping the family understand the policy should also be able to help the family understand the claim, the document request, and the appeal path if the claim is challenged.
The host can speak for the visitor. You don't need to put your mom or dad in India on the phone first. Adult-child-buying-for-visiting-parent is the most common Surrey VTC pattern, and the process is built around it.
Check your visitor's pre-existing conditions before you buy.
Claims examiners assess coverage based on the visitor's medical timeline, not how they feel on the day they fly. VTC carrier adjusters define stability by the absence of diagnostic activity, not just the absence of pain — and they will request the visitor's home-country medical records if a claim is filed.
What does the carrier mean by "stable"?
Stability is defined differently by each carrier — what counts as a stability-breaking change at one carrier may not count at another. Generally: no new diagnosis, no new prescription, no dose increase or decrease outside routine prescribed parameters, no new symptom documented in chart notes, no specialist referral, no test ordered (even if results were normal), no investigations pending results, and no hospitalization or ER visit.
Two things make VTC stability easy to get wrong: the window and the measurement date can differ by carrier, by age band, and by rider. Some carriers measure against the policy effective date — often the visitor's arrival date in Canada — rather than the day the host starts shopping. A medication change in the month before the visitor flies can matter even if the application conversation started earlier.
Carrier-specific timeframes are not guessed on this page. TuGo and Travelance must be checked against the actual VTC wording, including age-band thresholds and any rider wording, before we recommend a carrier.
The pre-existing condition rider.
Some VTC carriers offer a pre-existing condition rider — for an additional premium, coverage extends to conditions that were stable for a shorter window than the base policy requires. The rider is not available on every carrier and not available at every age.
For visitors over 60 with diabetes, hypertension, or cardiac history, the rider can be the difference between a policy that responds and a policy that excludes the very condition the family is worried about. We tell you when it is worth pricing and when the rider is not available or not helpful for that file.
What counts as a medical change?
A dose increase from 10mg to 20mg. A new prescription, even for the same condition. A new symptom mentioned to the family doctor — even one the doctor dismissed. A referral to a specialist. A test ordered, even if results were normal. A hospitalization or ER visit. Any of these can break the stability period for some carriers — and they appear in the visitor's chart notes, which is what the adjuster will request after a claim.
Every answer on the medical questionnaire is binding. Penalties for inaccurate answers vary by carrier — some carriers may deny the specific claim, others may void coverage retroactively, others may apply specific deductible structures. This is why we run the pre-screen — to find the inaccuracies before they cost you, and to ask the questions the visitor's home-country doctor's chart will be asked to answer later.
How the 5-question pre-screen works.
We run a dated 5-point stability screen and record the answers under your file before any premium is bound. Three minutes. No obligation. We use the screen to identify which carriers on the panel will accept your visitor's file as written — and when no carrier will, we tell you that before you've paid anything.
For visitors in another country, we structure the call so the host, the visitor, and our advisor can be on a single WhatsApp or phone call — in Punjabi or Hindi if that helps the visitor answer accurately.
See the five questions before you start
- Any medication dose adjustment in the last 6 months — including increase, decrease, discontinuation, or substitution?
- Any new prescription, even for the same condition?
- Any new symptom reported to a physician — even one that was never diagnosed?
- Any hospitalization, ER visit, or specialist referral?
- Any test or investigation ordered or pending results?
Has your visitor had a medication change, new diagnosis, or hospitalization in the last 6 months?
You're not committing to a policy here — you're committing to finding out whether one should be issued at all.
If no carrier on our panel fits your visitor's timeline, we tell you before a policy is issued. No shopping you to a different broker, no leaving you to figure it out, no policy that won't pay.
Coverage limit and deductible — what we recommend.
VTC carriers offer a range of coverage limits and deductibles. The cheapest configurations look attractive at the quote screen. They are also the configurations that can put the host on the hook for the gap if the claim is larger than the limit or falls mostly under the deductible.
What we recommend for a visitor to Canada.
A low-limit policy can be enough for a small emergency and completely inadequate for the claim families are actually afraid of — cardiac events, falls, emergency surgery, ICU, or repatriation. For most visitors we recommend $150,000 to $300,000 in coverage, with the higher limit for visitors over 60 or with a chronic-condition history.
Deductible math the quote screen doesn't show.
A $1,000 deductible saves some premium versus a $100 deductible. A $5,000 deductible saves more. But: the deductible is paid by the host, in cash, before the carrier pays a dollar. Anything below the deductible is uncovered — and the smaller claims (ER visits, prescription refills for an acute issue, follow-up specialist consults) are the ones where the deductible bites hardest.
Visitor under 60, no chronic conditions → quote several limits and show the deductible trade-off.
Visitor 60+ or with controlled hypertension/diabetes → advisor review first; price the rider if available and useful.
We walk through the math at quote time. The cheapest VTC policy on the market is usually the most expensive policy at claim time.
Single-trip or multi-trip — which fits your visitor.
A single-trip VTC policy covers one continuous visit, from the visitor's date of entry to Canada to the date they leave, within a coverage window you select at binding. Pricing scales with the visitor's age, trip length, deductible, and coverage limit. This is what most Surrey hosts buy.
A multi-trip annual VTC policy covers a visitor who plans to come and go multiple times within a 12-month window, with each visit capped at a chosen day-limit — commonly 15, 30, or 60 days per visit. The day-limit is absolute: if the cap is 30 days and the visitor stays 35, only the first 30 days are covered. No pro-rating. No automatic upgrade. We match the per-trip cap to how the visitor actually travels, not how you wish they did.
Annual coverage is worth checking when the visitor flies in several times a year — a grandparent splitting time between Surrey and Punjab, an in-law who comes for the summer and again at Christmas. The math depends on trip length, age, carrier day caps, and whether each stay fits inside the per-trip limit.
Visitor coming once for a few weeks or months → single-trip wins.
Visitor flies in several times a year → compare multi-trip annual against single-trip before binding.
If this is you.
Adult child hosting parents from India for a wedding, funeral, or family visit.
Your mom and dad are flying from Delhi or Amritsar for a few weeks to a few months. You're the buyer; they're the insured. The medical questionnaire is going to ask questions your parents will answer better in Punjabi or Hindi than in English over the phone with a stranger. We structure the call so you, your parents, and a Punjabi- or Hindi-speaking advisor can all be on the line at once — the questions get answered correctly the first time, and the answers are recorded under your file. The pre-screen matters more than the quote here.
Visitor over 60 with diabetes, hypertension, or cardiac history.
Stability rules tighten for older visitors, and the pre-existing condition rider becomes the difference between a policy that pays and a policy that doesn't. The medication-dose change two months ago that the family doctor called "minor" can still break the stability window. The rider — when it's available — covers conditions stable for a shorter period than the base policy requires, at a higher premium. We tell you whether the rider is worth it for your specific visitor's profile, and we won't issue an online instant-bind for an older visitor with chronic conditions — the medical questionnaire matters too much.
Friend, sibling, or extended family visiting from anywhere.
A sibling from California for the summer. A cousin from the UK for a wedding. An old friend from Singapore on a Vancouver stopover. You're the local host, you're picking them up at YVR, and you want a single conversation with someone who can place coverage for someone you're not in the same household as. We handle this every week. The pricing differs by country of origin, age, and trip length — and the side-trip rules matter if they're hopping to Seattle or Whistler. We walk through it at quote time.
Grandchildren or younger family visiting on school breaks.
Nieces and nephews flying in from the US, UK, or Australia for two to six weeks of summer. Coverage for under-30 visitors is the least expensive part of the VTC market and the part where the home-country credit-card or school-provided travel coverage most often falls short of what's needed. We check what's already in place and tell you whether a Canadian-issued top-up makes sense — or whether what they already have is enough for the length and shape of the trip.
What our Claims Advocacy Package actually does.
Included with every policy we place. There is no version of a Prime VTC policy without this — it's built into how we place coverage.
What happens if your visitor is admitted to Surrey Memorial at 2am. You call the carrier's emergency assistance line on the policy card — they authorize treatment, that's their job, 24/7. Then you call our claims line. We communicate with the adjuster assigned to the file, not a call centre queue. We can be at the hospital in person if the situation calls for it — we're 12 minutes from Surrey Memorial.
If the carrier requests medical records from the visitor's home-country physician, our Punjabi- or Hindi-speaking advocate coordinates with the family abroad, requests the records, and submits translated documentation under the policy number. If denied, the advocate pulls the adjuster's notes, the stability worksheet, and the chart records — and reopens claims that meet the carrier's published appeal criteria.
ICBC renewal while you're hosting? If your visitor will be driving any of your vehicles, we should check the driver list and add them — it takes five minutes and prevents a denied auto claim.
Three things we won't do.
Talk to an advisor before you buy.
WhatsApp first — Punjabi- or Hindi-speaking advisor available. Pick the option that fits where you are in your planning.
Replies come from a named advisor during open hours, not an auto-bot. Outside hours, the reply names the advisor handling your file.
Or call 604-582-0557 — Punjabi or Hindi advisor available.
Or start a quote if you'd rather see an indicative range first.
Most Surrey households hosting a visitor also ask us about…
Each of these is a 5-minute check. None is an upsell — each is something a Surrey host might genuinely want a 2-minute answer on while their file is open.
Sponsoring a parent or grandparent on a Super Visa?
Super Visa requires a specific 1-year minimum policy — different product, different rules, different page.
Is your ICBC Autoplan renewal within the next 90 days?
Surrey rates are the same everywhere; how it's handled is not. If your visitor will be driving your vehicles, we should add them to the driver list while we're at it.
Own a Surrey condo and hosting a visitor in a guest suite or strata-owned unit?
Condo policies sometimes restrict extended-stay guests or non-strata residents. Worth checking before the visitor's arrival.
Travelling out of Canada yourself in the next 6 months?
Different product, different page. The travel medical pre-screen looks similar; the carriers and stability rules are not the same.
If a parent is being sponsored on Super Visa, that's Super Visa territory — different product, different page, different process.
Super Visa visitors — where this page stops.
Super Visa is a parent/grandparent sponsorship program with its own insurance requirements set by Immigration, Refugees and Citizenship Canada. Coverage must be at least one year, must meet IRCC-defined minimum amounts, and must be purchased from an eligible insurer. A standard Visitors to Canada policy will not satisfy the Super Visa application — and the visa officer will know.
See our Super Visa page — different carriers, different minimums, different cancellation and refund rules tied to visa outcomes.
If you're not sure whether you need Super Visa or VTC, call 604-582-0557 and ask. Five minutes on the phone is the difference between buying the right product and buying one that won't carry the application or the claim.
Frequently asked questions.
Can I buy Visitors to Canada insurance after my parent has already arrived?
Yes, but coverage does not begin until the carrier's waiting period has passed — typically 48 hours to 7 days after the effective date. Any condition that appears during the waiting period is treated as pre-existing on the new policy, even if it didn't exist when they boarded. This is why we recommend buying before the visitor boards the plane. We will still write the post-arrival policy if it's the right call — we just tell you exactly what the waiting period excludes before you pay.
What is a stability period for a Visitors to Canada policy?
A defined window during which the carrier requires the visitor's medical condition to be unchanged — no new medication, no dose changes outside routine prescribed parameters, no new symptoms, no new tests, no hospitalizations. VTC carriers typically measure stability against the policy effective date (the visitor's arrival date in Canada), not the application date. Windows vary by carrier and age band. We confirm the exact windows for the carrier we recommend before you buy.
Does the visitor's home-country insurance cover them in Canada?
Sometimes, but not always at meaningful limits. Many home-country travel policies cover emergency care abroad, but the coverage limits and sub-limits may not be designed for Canadian hospital billing. Some origin-country insurers offer Canada-specific riders, but the certificate has to be read before relying on it. We're happy to read your visitor's home-country policy before you buy a top-up — send a photo of the certificate on WhatsApp.
What if my visiting parent has diabetes or hypertension?
Coverage is possible if the condition fits the carrier's stability rule. We pre-screen against the panel before recommending a policy. Some VTC carriers offer a pre-existing condition rider for an additional premium, which covers conditions that wouldn't otherwise qualify under the base stability period. We tell you which carrier accepts your visitor's file as written — and when none of them will, we tell you that before you buy.
Do I need Visitors to Canada insurance for a Super Visa application?
No — Super Visa applicants need a specific Super Visa policy: minimum 1-year coverage, government-defined minimum coverage amounts, IRCC-approved carrier. A standard Visitors to Canada policy will not satisfy IRCC requirements. If you're sponsoring a parent or grandparent on Super Visa, this page is the wrong page — see our Super Visa page.
What coverage amount should I buy?
Canadian hospitals charge visitor rates that are not capped by provincial fee schedules — a two-day admission at Surrey Memorial for an out-of-province non-resident can exceed $20,000, and cardiac, ICU, or surgical events run into six figures. We recommend $150,000 to $300,000 in most cases, with the higher limit for visitors over 60 or with a chronic-condition history. For older visitors or those with a chronic-condition history, the advisor review comes before the quote, not after.
Can my visitor take side trips to the US while covered?
Most VTC policies on Prime's panel allow side trips to the US for a limited number of days — commonly up to 49% of the policy duration, with the majority of the trip required to be in Canada. We confirm the exact rule for the carrier we recommend, and we set the trip duration to include US side-trip days from the start.
What if my visiting parent goes back home in the middle of the trip?
Most VTC policies suspend coverage when the insured returns to their country of origin. Some carriers void the policy entirely if the return-home visit exceeds a certain number of days. If a side trip home is planned, tell us at quote time — we choose the carrier and structure the policy to handle it without breaking coverage.
Can I extend the policy if my visitor stays longer than planned?
Yes, in most cases — if you request the extension before the policy expires, no claim has been incurred, and the visitor's health has not changed since arrival. Extensions are not automatic and they are not retroactive. WhatsApp or phone us as soon as a longer stay looks likely.
Can I cancel a Visitors to Canada policy after I buy it?
Most carriers honour a 10-day free look window — full refund minus a flat administration fee if cancelled before the policy effective date and within 10 days of purchase. Once the visitor arrives in Canada and the policy takes effect, cancellation refunds are typically pro-rated and only available if no claim has been filed. We'll tell you the exact rule for your carrier before you buy.
Are dental or routine care included?
VTC policies are emergency medical only. Routine dental check-ups, vaccinations, prescription refills for stable existing conditions, and elective procedures are not covered. Most policies include emergency dental for accidental injury or sudden pain relief, capped at a specific dollar amount.
Does the policy cover COVID-19 or other respiratory illness?
Most carriers in 2026 treat COVID-19 like any other respiratory illness — covered if the visitor didn't have active symptoms at the effective date and doesn't have a recent unstable diagnosis history. We confirm the specific carrier's wording at quote time.
What if my visitor needs treatment for a condition they didn't disclose?
Every answer on the medical questionnaire is binding. Carriers have the right to investigate after a claim is filed, request the visitor's home-country medical records, and deny the claim if the questionnaire was inaccurate. Some carriers can void the policy retroactively, leaving the host responsible for the full hospital bill. This is why we pre-screen — to find the inaccuracies before they cost you.
How is Prime different from buying online directly?
We're family-owned and we compare the confirmed VTC panel — TuGo and Travelance, with any additional carrier verified before quote. Online direct sellers and aggregators can be legitimate options. The difference is that we pre-screen the visitor's medical timeline against the carrier wording before you pay, and if something goes wrong with the claim, we stay on the file — including in Punjabi and Hindi if the visitor was treated in Surrey, Vancouver, or anywhere in BC.
What if I'm not sure about my parent's medical history?
This is the most common reason Surrey hosts call us. The visitor is in India, the prescription bottles are at their home, and the host is being asked questions they can't fully answer. We walk you through what to ask, in what order, and how to verify it — often with a WhatsApp call between you, your parent, and our advisor in Punjabi or Hindi. The questionnaire gets answered correctly the first time, and the answers are recorded under your file.
What do I actually do if my visitor has a claim?
Call the carrier's emergency assistance line before treatment if you can — number is on the policy card. Get a case number. Keep every receipt and discharge summary. Then call our claims line: 604-582-0557. Our Claims Advocacy Package puts a named advocate on the carrier file within 48 hours — sooner if the visitor is admitted.
We write Visitors to Canada policies across Surrey and the Lower Mainland.
We're at 150-8888 152A St, Surrey, in the Fleetwood community. We write VTC policies for hosts across the Lower Mainland — and the office is 12 minutes from Surrey Memorial, where most of our VTC claim conversations begin.
In Surrey: Newton families hosting parents from Punjab, Fleetwood retirees expecting visiting siblings, Cloverdale families on school breaks, Whalley/City Centre commuters, South Surrey families, Guildford, Fraser Heights, Panorama Ridge, Sullivan, Clayton.
Adjacent areas we serve: White Rock, North Delta, Tsawwassen, Langley, parts of Burnaby, Richmond, North Vancouver.
From Whalley/City Centre: ~12 minutes. From South Surrey: ~8 minutes. From Langley: ~15 minutes. From Surrey Memorial: ~12 minutes.
If your visitor is flying within the next 6 weeks and you haven't run the medical pre-screen, that's the call to make today.
Honest answer either way.
If we can find the right policy from the panel for your visitor's specific health, age, and trip dates, we'll show you which carrier, why, and what the premium covers.
If your visitor's home-country policy is genuinely enough for the length and shape of the trip, we'll tell you that and thank you for coming in.
Home-country policy or credit card may be enough — we'll tell you.