I do want to answer this question as it relates to insurance. The goals that I dealt with while working in that industry were definitely making sure that our clients had coverage and that coverage didn't lapse, so working very tight deadlines. I never had an issue with finding policy or missing a deadline on finding a policy, so I personally didn't have any clients that lapsed in their coverage. I think that's very important, especially when you're dealing with such a big book of business.