Advertisement
← Back to Search
VALIDATED

SIDNEY W JOHNSON

Trust Score

96 Excellent
Excellent Why this score?
Company CheckSIDNEY W JOHNSON · DOT 332135
DBA: ALBUQUERQUE MAIL SERVICE INC
101 ROSEMONT NE, ALBUQUERQUE, NM, 87102
DOT# 332135 MC# 112593 Albuquerque, New Mexico 47 years
CARRIER
Sign in required
You need a free LoadWrap account to run this check. Log in or register, it takes a minute.
Log in or register
Due-diligence certificate
Ratings & reviews

Create free account →
Free • 30 seconds • Already a member? Log in
86
Power Units
108
Drivers
4
Crashes (24-Month)
$1,000,000
Insurance
Satisfactory
Safety Rating
123
Inspections
Is this your company? Claim your profile →
Just researching? Create a free account →

Public record

8 events tracked · latest Sep 8, 2026 Show details
Safety & compliance 7
  • Aug 1, 2026
    Clean roadside inspection, no violations.
  • Jul 28, 2026
    Roadside inspection, 1 violation (no OOS).
  • Jul 9, 2026
    Roadside inspection, 1 violation (no OOS).
  • May 29, 2026
    Roadside inspection, 1 violation (no OOS).
  • Feb 7, 2025
    Crash reported (no fatalities).
  • Dec 25, 2024
    Crash reported, 6 fatalities.
  • Dec 5, 2024
    Crash reported (no fatalities).
Insurance 1
  • Current
    Active insurance on file ($1,000,000).
Public FMCSA record · blue clean · orange change · red risk.

Company Information

Legal NameSIDNEY W JOHNSON
DBA NameALBUQUERQUE MAIL SERVICE INC
DOT Number332135
MC Number112593
Entity TypeCarrier
Operating StatusA - Active
LocationAlbuquerque, New Mexico
Added11/17/1988
MCS-15005/08/2025

Contact Details

Physical Address101 ROSEMONT NE, ALBUQUERQUE, NM, 87102
Mailing Address101 ROSEMONT NE, ALBUQUERQUE, NM, 87102

Other Companies at This Address

Address101 ROSEMONT NE, ALBUQUERQUE, NM 87102
This looks like a commercial registered-agent / virtual office address. Sharing such an address is legal and common, many legitimate carriers use a registered agent for mail, insurance and compliance. It is not by itself a sign of any problem.
1
Others here
2
Distinct phones
1
Active
CompanyDOTPhoneStatus
SIDNEY W JOHNSON this company332135Sign inActive
SIDNEY W JOHNSON66783Sign inInactive
Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE;U. S. MAIL
Carrier OperationA - Interstate
DocketMC112593
CommonActive
ContractActive
BrokerNot Active
Operating47 years

All Docket Numbers

MC112593

Cargo Transported

General FreightU.S. MailPaper Products

Operation Classification

Authorized For HireUS Mail

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.
Unsafe Driving
measure .62 · 18 insp with violations
Below cutoff
Hours-of-Service Compliance
measure 0 · 0 insp with violations
Clean
Driver Fitness
measure 0 · 0 insp with violations
Clean
Controlled Substances / Alcohol
measure 0 · 0 insp with violations
Clean
Vehicle Maintenance
measure 1.41 · 12 insp with violations
Below cutoff
Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage6,248,685 miles
Mileage Year2024
VMT SourceMCS-150 Form

Drivers

108
Interstate
0
Intrastate
0
CDL
108
Total
Interstate >100mi0
Interstate <100mi0
Intrastate >100mi0
Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatYes

Safety Summary

Safety RatingSatisfactory
Total Crashes (24-mo)4
Fatal1
Driver OOS0.0% avg 5.5%
Vehicle OOS4.5% avg 20.7%
SmartWay PartnerNo
Last Review07/13/2000

Insurance

Amount$1,000,000
Type91X
VerifiedFMCSA · 07/10/2026
CompanyTHE CINCINNATI INSURANCE CO.
Policy #EBA 045 00 25
Last checked09/07/2026

Quick Facts

StatusActive
TypeCarrier
Fleet86 units
Drivers108
Mileage6,248,685 mi
Operating47 years
MCS-15005/2025

Safety & Inspection Data

Crash Summary
Total Crashes (24-mo)4
Fatal1
Injury1
Tow-Away2
Safety RatingSatisfactory
Driver Inspections
Total79
Out of Service0
OOS Rate0.0%
National Avg5.5%
Below National Average
Vehicle Inspections
Total44
Out of Service2
OOS Rate4.5%
National Avg20.7%
Below National Average
HazMat Inspections
Total3
OOS0
OOS Rate0.0% (avg 4.5%)
Last FMCSA Review: 07/13/2000 | Rated: 07/19/2000

Safety Trends by Year

Roadside inspections and crashes on file, year over year. The red portion of each inspection bar is the out-of-service share; ▲/▼ compares to the prior year.

Inspections · red = OOS
2023
9 · 0 OOS -
2024
27 · 2 OOS
2025
38 · 0 OOS
2026
26 · 0 OOS =
Crashes
2023
0 crashes -
2024
3 crashes
2025
1 crash
2026
0 crashes
Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.

Out-of-Service Summary Last 24 months

Live FMCSA roadside inspections through Aug 2026, 70 inspections, 0 resulted in out-of-service (0% OOS rate).

Clean, no out-of-service violations in the last 24 months.

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (4)

Full crash history on file (all years), newest first. This list may show more than the headline Crashes figure above, because that figure follows the official FMCSA 24-month SMS window used for the Trust Score, older crashes still appear here for transparency.
DateLocationStateFatalInjuriesTowVehiclesWeatherRoadLight
02/07/2025 ALBUQUERQUE NM 0 1 0 1 Clear Dry Dark - Not Lighted
12/25/2024 NOT LISTED TX 6 1 1 2 Sleet/Hail Wet Dawn
12/05/2024 ALBUQUERQUE NM 0 0 1 2 Clear Dry Dusk
12/03/2024 ISLETA NM 0 0 1 2 Clear Dry Daylight

Roadside Violations by Safety Category Last 24 months

40 roadside violations across 70 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.

ViolationsOut-of-service
Unsafe Driving 27 violations · 0 OOS
Vehicle Maintenance 12 violations · 0 OOS
Other (General) 1 violation · 0 OOS
Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.

Inspection Records (100)

DateStateLevelLocationViolationsOOSDriver ViolDriver OOSVehicle ViolVehicle OOSHazMat
08/01/2026 NM Walk-Around (Level II) NM 0 0 0 0 0 0 - Detail
07/28/2026 NM Driver-Only (Level III) NM 1 0 1 0 0 0 - Detail
07/09/2026 CO Driver-Only (Level III) LA JARA CO 1 0 1 0 0 0 - Detail
05/29/2026 NM Driver-Only (Level III) AT INTERSECTION OF RAMP AND I- 1 0 1 0 0 0 - Detail
05/20/2026 NM Walk-Around (Level II) ON I-10 1 MILES E OF I10 EB MM 1 0 1 0 0 0 - Detail
05/04/2026 NM Driver-Only (Level III) I 40 MM 182 1 0 1 0 0 0 - Detail
04/24/2026 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
04/24/2026 NM Driver-Only (Level III) US 550 0 0 0 0 0 0 - Detail
04/10/2026 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
04/03/2026 NM Walk-Around (Level II) CLAYTON PORT OF ENTRY 0 0 0 0 0 0 - Detail
04/02/2026 NM Walk-Around (Level II) CLAYTON PORT OF ENTRY 0 0 0 0 0 0 - Detail
04/02/2026 CO Walk-Around (Level II) MONUMENT CO 0 0 0 0 0 0 - Detail
03/27/2026 NM Driver-Only (Level III) CEDAR HILL PORT OF ENTRY 0 0 0 0 0 0 - Detail
03/26/2026 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
03/20/2026 CO Driver-Only (Level III) MONUMENT CO 0 0 0 0 0 0 - Detail
03/18/2026 CO Driver-Only (Level III) DENVER CO 1 0 0 0 1 0 - Detail
03/10/2026 CO Walk-Around (Level II) MONUMENT CO 1 0 0 0 1 0 - Detail
03/07/2026 NM Walk-Around (Level II) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
02/21/2026 NM Full (Level I) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
02/13/2026 NM Driver-Only (Level III) US 550 0 0 0 0 0 0 - Detail
02/06/2026 CO Walk-Around (Level II) MONUMENT CO 1 0 0 0 1 0 - Detail
01/28/2026 TX Walk-Around (Level II) US 62 MM 40 EB 1 0 0 0 1 0 - Detail
01/24/2026 NM Driver-Only (Level III) SAN JON PORT OF ENTRY 0 0 0 0 0 0 - Detail
01/17/2026 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
01/14/2026 CO Driver-Only (Level III) MONUMENT CO 0 0 0 0 0 0 - Detail
01/14/2026 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
12/30/2025 NM Walk-Around (Level II) CLAYTON PORT OF ENTRY 0 0 0 0 0 0 - Detail
12/22/2025 NM Driver-Only (Level III) NM 1 0 1 0 0 0 - Detail
12/19/2025 CO Walk-Around (Level II) MONUMENT CO 0 0 0 0 0 0 - Detail
12/16/2025 NM Walk-Around (Level II) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
12/11/2025 CO Walk-Around (Level II) MONUMENT CO 0 0 0 0 0 0 - Detail
11/24/2025 NM Walk-Around (Level II) US 550 1 0 1 0 0 0 - Detail
11/22/2025 NM Walk-Around (Level II) US 550 1 0 1 0 0 0 - Detail
11/15/2025 CO Full (Level I) CORTEZ CO 0 0 0 0 0 0 - Detail
10/28/2025 NM Full (Level I) ANTHONY PORT OF ENTRY 2 0 0 0 2 0 - Detail
10/26/2025 NM Full (Level I) ON US HWY 550 2019 FT S OF ROA 0 0 0 0 0 0 - Detail
10/10/2025 NM Walk-Around (Level II) ON US HWY 550 2019 FT S OF ROA 0 0 0 0 0 0 - Detail
10/08/2025 NM Walk-Around (Level II) US 550 1 0 1 0 0 0 - Detail
09/25/2025 NM Driver-Only (Level III) ON ST. FRANCIS DR. 218 FT W OF 1 0 1 0 0 0 - Detail
09/24/2025 NM Driver-Only (Level III) CEDAR HILL POINT OF ENTRY 0 0 0 0 0 0 - Detail
09/03/2025 NM Driver-Only (Level III) ON HATCH HWY NE 5040 FT N OF D 0 0 0 0 0 0 - Detail
08/19/2025 CO Full (Level I) ANTONITO CO 0 0 0 0 0 0 - Detail
08/05/2025 NM Driver-Only (Level III) US 285 SB 1 0 1 0 0 0 - Detail
08/05/2025 NM Full (Level I) TRES PIEDRAS WEIGHT PAD 1 0 0 0 1 0 - Detail
07/30/2025 NM Driver-Only (Level III) ON US HWY 550 1925 FT N OF ROA 1 0 1 0 0 0 - Detail
07/10/2025 NM Driver-Only (Level III) ON ROAD 7575 82 FT E OF US HWY 1 0 1 0 0 0 - Detail
07/07/2025 CO Driver-Only (Level III) MONUMENT CO 0 0 0 0 0 0 - Detail
07/03/2025 NM Full (Level I) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
07/02/2025 CO Driver-Only (Level III) MONUMENT CO 0 0 0 0 0 0 - Detail
06/27/2025 CO Walk-Around (Level II) MONUMENT CO 1 0 0 0 0 0 - Detail
06/17/2025 CO Walk-Around (Level II) ANTONITO CO 0 0 0 0 0 0 - Detail
06/12/2025 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
05/24/2025 NM Walk-Around (Level II) ANTHONY PORT OF ENTRY 1 0 0 0 1 0 - Detail
05/23/2025 CO Walk-Around (Level II) CORTEZ CO 2 0 0 0 0 0 - Detail
05/22/2025 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
05/20/2025 CO Walk-Around (Level II) ANTONITO CO 0 0 0 0 0 0 - Detail
04/29/2025 NM Full (Level I) ANTHONY PORT OF ENTRY 1 0 0 0 1 0 - Detail
03/06/2025 NM Walk-Around (Level II) US 550 2 0 2 0 0 0 - Detail
02/11/2025 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
02/06/2025 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
02/03/2025 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
02/01/2025 NM Full (Level I) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
01/25/2025 NM Walk-Around (Level II) US 550 1 0 1 0 0 0 - Detail
01/18/2025 NM Walk-Around (Level II) US 550 1 0 1 0 0 0 - Detail
12/25/2024 TX Full (Level I) US 87 0 0 0 0 0 0 - Detail
12/19/2024 NM Walk-Around (Level II) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
12/06/2024 CO Driver-Only (Level III) MONUMENT CO 0 0 0 0 0 0 - Detail
12/02/2024 NM Driver-Only (Level III) ON US HWY 550 5 MILES E OF CAB 1 0 1 0 0 0 - Detail
11/02/2024 NM Full (Level I) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
10/03/2024 NM Driver-Only (Level III) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
09/03/2024 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
08/27/2024 NM Driver-Only (Level III) US 550 1 0 1 0 0 0 - Detail
08/22/2024 NM Walk-Around (Level II) ON HATCH HWY NE 3830 FT N OF D 1 1 0 0 1 1 - Detail
08/21/2024 NM Walk-Around (Level II) SR 285 400 SB 3 0 1 0 2 0 - Detail
08/20/2024 NM Walk-Around (Level II) ON HATCH HWY NE 3841 FT N OF D 1 1 0 0 1 1 - Detail
08/14/2024 NM Walk-Around (Level II) INTERSTAT 10 E 1 0 1 0 0 0 - Detail
08/11/2024 NM Walk-Around (Level II) US 550 0 0 0 0 0 0 - Detail
08/07/2024 NM Walk-Around (Level II) ON PETE V DOMENICI INTERNATION 1 0 1 0 0 0 - Detail
07/27/2024 NM Walk-Around (Level II) US 550 0 0 0 0 0 0 - Detail
07/26/2024 NM Walk-Around (Level II) ON LA BAJADA REST AREA 810 FT 3 0 1 0 2 0 - Detail
07/09/2024 NM Full (Level I) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
07/04/2024 NM Driver-Only (Level III) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
06/18/2024 CO Driver-Only (Level III) DIVIDE CO 0 0 0 0 0 0 - Detail
06/11/2024 NM Driver-Only (Level III) SAN YSIDRO 0 0 0 0 0 0 - Detail
06/04/2024 CO Full (Level I) ANTONITO CO 1 0 0 0 0 0 - Detail
05/13/2024 CO Driver-Only (Level III) WOODLAND PARK CO 0 0 0 0 0 0 - Detail
05/01/2024 CO Driver-Only (Level III) COLORADO SPRINGS CO 0 0 0 0 0 0 - Detail
04/16/2024 NM Full (Level I) ANTHONY PORT OF ENTRY 3 0 1 0 2 0 - Detail
04/12/2024 NM Walk-Around (Level II) I-40 WBOUND MILE POST 166 4 0 2 0 2 0 - Detail
03/27/2024 CO Driver-Only (Level III) MONUMENT CO 0 0 0 0 0 0 - Detail
03/01/2024 NM Driver-Only (Level III) U.S. HWY 550 MILE POST 22 0 0 0 0 0 0 - Detail
12/30/2023 NM Full (Level I) ANTHONY PORT OF ENTRY 1 0 0 0 1 0 - Detail
11/14/2023 CO Walk-Around (Level II) CO 285 MP 5 0 0 0 0 0 0 - Detail
10/25/2023 NM Driver-Only (Level III) ANTHONY PORT OF ENTRY 0 0 0 0 0 0 - Detail
09/29/2023 NM Full (Level I) ON US HWY 550 2019 FT S OF ROA 2 0 0 0 2 0 - Detail
09/26/2023 NM Driver-Only (Level III) CLAYTON PORT OF ENTRY 0 0 0 0 0 0 - Detail
08/31/2023 NM Walk-Around (Level II) ARENA VALLEY 0 0 0 0 0 0 - Detail
08/29/2023 NM Walk-Around (Level II) US 84 1 0 1 0 0 0 - Detail
08/22/2023 CO Driver-Only (Level III) MONUMENT POE NB 0 0 0 0 0 0 - Detail
08/16/2023 NM Walk-Around (Level II) ON US HWY 84 1302 FT S OF PRIV 1 0 0 0 1 0 - Detail
Detailed Inspection Report

Safety Performance Percentiles

FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.

Total Inspections77
Unsafe Driving 18 viols
Vehicle Maintenance 12 viols

Licensing & Insurance

FormTypeInsurance CompanyPolicyCoverageEffectiveCancel DateMethod
91XBIPD/PrimaryTHE CINCINNATI INDEMNITY COMPANYEBA 045 00 25$750,00008/01/201705/18/2022Replaced
34CARGOMOUNTAIN STATES INDEMNITY COMPANYCPP0251833$008/01/201508/30/2017Cancelled
91XBIPD/PrimaryMOUNTAIN STATES INDEMNITY COMPANYBAP0251837$1,000,00008/01/201508/30/2017Cancelled
91XBIPD/PrimaryMOUNTAIN STATES INDEMNITY COMPANYBAP0251837$1,000,00008/01/201508/01/2017Replaced
34CARGOMOUNTAIN STATES MUTUAL CASUALTY COMPANYCPP 0251833$008/01/201310/22/2015Cancelled
91XBIPD/PrimaryMOUNTAIN STATES MUTUAL CASUALTY COMPANYCPP$10,00008/01/201308/01/2013Replaced
34CARGOMOUNTAIN STATES MUTUAL CASUALTY COMPANYCPP 0251833$008/01/201308/01/2015Replaced
91XBIPD/PrimaryMOUNTAIN STATES MUTUAL CASUALTY COMPANYBAP 0251837$1,000,00008/01/201310/22/2015Cancelled
91XBIPD/PrimaryMOUNTAIN STATES MUTUAL CASUALTY COMPANYBAP 0251837$1,000,00008/01/201308/01/2015Replaced
91XBIPD/PrimaryMOUNTAIN STATES INDEMNITY COMPANYBAI 0131334$1,000,00008/01/201108/01/2013Replaced
91XBIPD/PrimaryMOUNTAIN STATES INDEMNITY COMPANYBAI 0131334$1,000,00008/01/201110/24/2013Cancelled
34CARGOMOUNTAIN STATES INDEMNITY COMPANYCPI 0131334$008/01/201108/01/2013Replaced
34CARGOMOUNTAIN STATES INDEMNITY COMPANYCPI 0131334$008/01/201110/24/2013Cancelled
34CARGOUNION INSURANCE CO.CNA 4273745 US$008/01/200708/27/2011Cancelled
34CARGOUNION INSURANCE CO.CNA 4273745 US$008/01/200708/01/2011Replaced
91XBIPD/PrimaryUNION INSURANCE CO.CNA 4273745 US$1,000,00008/01/200708/27/2011Cancelled
91XBIPD/PrimaryUNION INSURANCE CO.CNA 4273745 US$1,000,00008/01/200708/01/2011Replaced
34CARGOCONTINENTAL CASUALTY CO.1080515438$008/01/200508/01/2007Replaced
91XBIPD/PrimaryAMERICAN CASUALTY COMPANY OF READING1080514550$1,000,00008/01/200508/01/2007Replaced
34CARGOMOUNTAIN STATES MUTUAL CASUALTY COMPANYCPP 0010630$008/01/200008/01/2005Replaced
91XBIPD/PrimaryMOUNTAIN STATES MUTUAL CASUALTY COMPANYBAP 10628$1,000,00008/01/200008/01/2005Replaced
34CARGOMOUNTAIN STATES MUTUAL CASUALTY COMPANYCCP0010630$008/01/199911/02/2000Name Changed
91XBIPD/PrimaryMOUNTAIN STATES MUTUAL CASUALTY COMPANYBAP 001 06 28$200,00008/01/199908/01/1999Replaced
91XBIPD/PrimaryMOUNTAIN STATES MUTUAL CASUALTY COMPANYBAP 0010628 01$1,000,00008/01/199911/02/2000Name Changed
91XBIPD/PrimaryTHE CINCINNATI INSURANCE CO.EBA 045 00 25$1,000,00005/18/202208/01/2021Replaced
91BIPDUNITED STATES FIRE INSURANCE CO.133 6185792$003/01/199408/01/1999Cancelled
34CARGONORTH RIVER INSURANCE CO.503 1307683$003/01/199408/01/1999Replaced

No active insurance policies.

DocketTypeActionServedDispositionDisp Date
MC112593MOTOR PROPERTY COMMON CARRIERREINSTATED11/26/1999REVOKED01/24/2001
MC112593MOTOR PROPERTY CONTRACT CARRIERREINSTATED11/26/1999--
MC112593MOTOR PROPERTY CONTRACT CARRIERGRANTED10/18/1985REVOKED10/19/1999
MC112593COMMONINVOLUNTARY REVOCATION08/03/2017DISCONTINUED REVOCATION08/10/2017
MC112593CONTRACTINVOLUNTARY REVOCATION08/03/2017DISCONTINUED REVOCATION08/10/2017
MC112593MOTOR PROPERTY COMMON CARRIERGRANTED07/07/1981REVOKED10/19/1999
MC112593MOTOR PROPERTY COMMON CARRIERGRANTED03/01/1979REVOKED10/19/1999
MC112593MOTOR PROPERTY CONTRACT CARRIERGRANTED02/24/1984REVOKED10/19/1999
MC112593MOTOR PROPERTY CONTRACT CARRIERGRANTED02/22/1989REVOKED10/19/1999
MC112593MOTOR PROPERTY COMMON CARRIERREINSTATED02/08/2001--

No revocation records.

Stay ahead of changes

You are checking SIDNEY W JOHNSON today. We can keep watching them for you.

Authority gets revoked, insurance lapses, and a company that looks clean today can change overnight. Create an account, add this company to your list,
and the moment their authority, insurance, safety or contact details change, you see it on your dashboard, or get it by email with Pro.

Add them to your list

Keep this company and every partner you vet in one place you can come back to.

Get a change alert

The moment authority, insurance or safety status moves, you hear about it first.

See the full history

Trust Score over time and the complete authority and insurance timeline, not just today.