Yes, skills. So I'm trying to separate skills from attributes. So I see skills as being things that are necessary to the job. Attributes would be qualities that help us do the job. So the number one skill, I think, would be meaningful listening. I know there are fancier terms for it these days, but to listen effectively, not just being half tuned in, to really hear what your prospect is saying to you. And to confirm back to the prospect that you're hearing that the prospect is telling you what you think he or she is telling you. In other words, to confirm that you are interpreting their needs or wants correctly. So you repeat back to them what you have heard them tell you. That listening is much more important than talking. It's going to guide you to where you need to go next to fill the client's needs and wants and requirements. Secondly, would be the skill of consultation. In insurance, you need to be consultative to find out what the client needs. And there again, it goes ties in with your listening skills. And in consultative selling, you're digging, you're asking questions that are pertinent to uncover what is going on in the client's life and therefore what their needs are. So I'm good at that skill of consultative selling. You need to be coachable and I am. I don't have a thin skin. I can take criticism and work to improve my skills, my knowledge, my job performance.