 Well, I've been hyped on commercial, PNC, Life Insurance, Annuities, and they're all have different elements on how to close the tough customer. And in my personal opinion, I think it's all about talking to the customer, really listening to what their needs are. Let's say you're talking about life insurance. You kind of want to have a little bit of a background, maybe some information about what their financial situation is. And if they're married or have kids to think about. If you're talking to a business owner, what the liability exposures are for them. So I think it really depends on this scenario of each person, but the easier selves are PNC, hominoidal. I mean, if you have a mortgage, you have to have insurance. If you have an auto-inodral exercises, you have to have insurance. So it really just comes down to sitting down, being an agent, and educating your clients on what they need, and then really listening to their needs of what they want to be able to provide with the service. And like it says here on the questions, to be able to close the customer. So if you don't close them right away, that doesn't necessarily mean that you want. And if you don't, so also keeping a relationship with that customer, maybe in a couple months, they'll come back in the science to go with you because of the person that you are. So,