So, a client that I've dealt with that was challenging, of course, over the years I've had quite a few of those. Probably the most recent one that I can think of, kind of even when I was a customer service representative my manager had someone that kind of needed their hand held or things to be fixed that had been a problem. She used to give them to me because I tend to be very calm and patient and empathetic with people. The last one that I dealt with was a little bit different. He didn't necessarily need that. We had a person who was relatively new to the agency that had spoken with him and with the current hard market client he was concerned about his policy had gone up quite a bit, which we're seeing and I'm sure every place is seeing. She had told him it was due to a claim that happened a few years back, which was not really the reason. It was really more due to inflation and the cost of materials going up and the availability of materials and the claim experiences with weather, which of course affects the reinsurance and all the things going on in the market now and just in the world and that the insurance companies have had higher than normal increases due to their costs. And so he was very upset, but it was more for the reason that he felt the representative had not told him the correct or the true reason because he knew that that wouldn't have gone up this year having happened that long ago and he spent about an hour kind of talking with me going back and forth and basically told me he was going to do battle with me and at the end said that I was a good adversary and he understood the reasons and that he just felt the other person, he felt lied to basically. So at the end, you know, he didn't want to do a remarket, he didn't want to change things on his policy and he was happy with my answer and he's staying with us and it was all settled. He just kind of wanted someone to know that, you know, that representative might need some more additional training or that it could be a teaching moment for her. So that was my most recent kind of difficult client.