The most challenging client that I've had, it was somebody, he owned a local coffee shop close to where I lived, and he kept thinking that I was the Aflac salesperson. I actually have never represented Aflac in my entire life. I was never the duck. I was either Colonial Life or Sun Life or even Combined, and so I did my part to explain him that there are several different people in that industry of short-term disability and that I represented most of the competitors to Aflac and all of his grievances and the reasons that he wasn't interested in doing our services because of like Aflac, for example, they required you to have their contracts enforced for one year. That was never anything anyone I worked with ever had anyone go through, so I was able to show him that I had his best interest at heart by the fact that I could sit down and show him basically the portfolio that I was representing, showing him that, look, if you don't like the Colonial Life, we'll go to Combined. If you don't like that, we'll bring in Sun Life. We could do it, whatever we got to do in order to get his people covered, he eventually did decide to go with us, and one of his employees did file a claim a couple months afterwards, and it was a very successful relationship in his eyes.