Well, if I was in a situation where I was aware that somebody was violating a procedure with regards to the standard that we all live by in the insurance industry, of course, are the things that we have taken our CE credits for, ethics and what have you. And if I felt it was justifiable to break the company policy to do that, I probably would have to discontinue working for the company. So that's my first thought, justifiable to break company policy or alter standard procedure. The only time that's acceptable is if you're dealing with a client or prospect who is asking you to do something that's unethical or that you are aware of another employee that is doing something unethical and the standard procedure probably in that case would not apply. And I would have to report that to the known authority within the company. And I'm sure that every organization, you know, it's been my experience as someone that you would report that to. But as far as specifically, I haven't had that displeasure to experience that, I must say. But whether is it justifiable, I don't think that it ever is because the company has its rules and guidelines and procedures for a reason, not to mention ethics.