Tell me about a time when you were unable to make someone happy or resolve a problem. I guess I've been fortunate. I haven't had too many of those instances happen at all, but it has happened, and it will happen to most of us at one time or another. You try everything you can think of. You call underwriting. You try to talk to underwriting. You say, maybe we can do it this way, we can do it that way. I had a client one time whose son, who was a driver on their policy, had $40,000 worth of losses. The account was worth considerably more than that, but the company would not bend at all because too many losses. In a way, I didn't blame them, but you try everything you can think of, and then I called the client. I said, I apologize, but we cannot do X and X and X because of poor loss history. They said, well, does the company get you every time you have a loss? No, not necessarily, but when you get it to five figures, they do pay attention to it quite a bit.