So, a challenging client I have worked with and how I handled it. It will have to be here at USAA. Of course, we get calls about premiums being high. He was upset. He was transferred to me from another rep who, I guess, didn't discuss it properly. So, when he was transferred to me, I did first show empathy. I told him I understand where he's concerned with his numbers, with today's economy. I did tell him, let's review your account together. We'll figure something out together. And so, I started with his characteristics. We ended up finding out that his roofing age wasn't updated. So, that right off the bat gave him a new roof discount. So, we were able to save on premium there. And then, as we got to the coverages, he realized he was at 75% of his personal belongings. He said it was too high. So, we did bring it down to 50%. And then, also, his deductibles. His deductibles were only at $1,000. So, I explained to him, if we increase your deductibles, your premium will go lower as well. So, we did increase it to about $2,500. So, it wasn't even a big increase. It was still something reasonable. And we were able to save him about $600, $700 annually on his premium. He was so excited about that. He thanked me. He was on the verge of looking elsewhere for insurance, saying that we had gotten too high for him. I told him I completely understand. But I was there, and I was able to resolve it for him. And he was very happy. I was happy that he was able to stay with us and still have the coverage for his home.