As far as experiencing a problem with a team member, what came to my mind right away was I was a facilitator of a planning session for underwriting, and one of my coworkers was in that project for planning, and I remember he talked nonstop, so if he had a question or if he had a comment, it just went on and on and on, and I finally had to just say, James, we love you, and we love to hear your ideas and your thoughts on every point that we're talking about in this planning session, but we have a lot to cover, and I would appreciate it if you could keep your comments and or questions to about five minutes. That's what I did. There weren't any hard feelings. I talked to him after that, and it was funny because he said to me, I guess I am a little long-winded, and I said, I can understand the fact that you're long-winded, but we can all be that way, but there is a point to when we have to kind of cut ourself off so other people can participate in the session, and he was a good guy. I really liked James, but like I said, he could get pretty long-winded. So that's what I did.