Typically, closing on tough customers is a process, it's sometimes a lengthy process. More often than not, if I've identified their needs already, what resources they need, and I've obtained these things, and they're still tough, usually in my line of work, what I usually do is I explain more of the process that they're likely not aware of, like the tax forms and securities and things like that. And if they're still not convinced, it can be challenging, yeah. I would say that normally what I'll do in those situations is explain what the consequences are of potentially not being covered, as far as the IRS is concerned, as far as any number of other facilities that people don't like to get letters from. That's all you really can do sometimes.