Trying to find the right insurance company for customer needs through independent agencies has been a really hard thing to do. You do have to do a lot of decision making with customers whenever we deal with that due to the fact that the services change. The products change so much, so we just don't give them one product. It's just kind of choosing the right product for the customer, even if the premium may be different. You just kind of have to make sure that it supplies their needs, and that's been kind of hard. But we just definitely do that based on the commission, but definitely working for them and to make things best for them.