So in my past position, the decisions that I made without consulting somebody is what type of product is right for my client, right? So I was doing whole life insurance only because we were selling final expense. And depending on their health situation, I just kind of knew after a while some companies might look at the heart situation a little more favorably than some companies might look at a cancer situation or diabetes. So it was my decision what company to put them in. Of course, the company always wants you to put them in the highest rate product. But I look for a company that might save them some money if it's out there. I go the extra mile to try to put my customer in a product that I think is best for them or after a conversation with them, we have decided would be best for them.