Hey all, this may be a naive question, but under the new Air Cover for Guests program, when Airbnb repeatedly says, "we'll refund them" does that mean that Airbnb has funding set up with which to refund guests for things like their "get what you booked guarantee" or does that mean HOSTS will refund guests? I've been assuming this basic form of free-to-the-guest travel insurance will continue to come out of hosts' wallets, but everything I've seen and read just says, "we'll" refund with no mention of the hosts at all. I guess I just want to clarify... who is "we"?