What I've learned from my mistakes, I'd say at the beginning of my insurance career is that I just told customers what I think they needed and not listened to what they needed from their assets, what they have going on in life. And so what I've learned is that I slow down and ask questions more. Let them tell me the story. Let them tell me what they have going on so I can better pursue what they need in their assets to protect them, to maybe get that extra line of business that they need that they don't know they need such as boats or any kind of toy they have or life insurance, things like that. So it's just more listening than telling the customer what's going on.