I've had many, many, many kind of tough customers. As you can well imagine, when you're injured and you're experiencing pain and suffering, the expectation is that there be some form of compensation. Several times we've had incidents where we've had to inform the clients that unfortunately there's really nothing there. Basically, my way of kind of softening the blow is to really be thorough and detailed about the industry, ensuring your vehicle's in Florida, and how the requirements are in our state. Usually after you really explain things thoroughly, the clients understand, they understand that in our state we kind of have a responsibility to protect ourselves as much as other drivers have the opportunity to protect.