Because of my wife's illness regarding working as a team or myself, I've been forced to work more on my own. Over the years of my career, I worked with a team. I still work, obviously, with other people, companies, MGAs, wholesalers. I've done all that, but because of my wife's illness, I was forced to work at home. So I've done a lot of virtual sales, telesales, not only in Michigan, but elsewhere. So in that point, I do work alone. Very, what's the word, intense. I go by the philosophy, don't leave money on the table, so I work all hours. I have customers that I've talked to at 2, 3, 4 in the morning because that's when they were available. I've had people that would say, do you work weekends? Well, I work for you. So in a team concept, a lot of times the offices I work for were closed. They actually forbid me to work weekends. So doing what I'm doing now, it gives me the opportunity on an individual basis. I know I'm still part of a greater organization, which I've done in the past, but right now I've been used to pretty much working on my own and doing very well at that.