Okay, so this question is hard for me just because I have values, morals, ethics, but in the insurance world here, there has been rumor that an insurance company, not Allstate, nobody even similar to Allstate, but one of these companies will write policies and leave off very important coverages that the customer probably doesn't know about because they're not familiar with insurance and coverages and protections and endorsements and any of it. So when they would come to Allstate after the fact, and we would explain their current policy to them, and then the quote through Allstate and the benefits and the price difference due to lack of knowledge, lack of research that they had on their previous policy, coverages that they should have had, which is why I've never even attempted to work for this company, but I am just not okay with that. I don't think it is fair to the customer or to the company to just keep things off, not speak about them, not let the customer know, and then save money just so they'll purchase a policy from you. That's just how I view it.