Hello, my name is Derek Callum. I'm 44 years old this year and I live in Northern California. I live about two hours north of San Francisco, about 20 minutes west of a town called Santa Rosa. I was born and raised in the East Bay down in Livermore and Pleasanton, Dublin, so I grew up in California pretty much all my life. Traveled quite a bit to Hawaii and to the East Coast quite a bit and to Sweden when I was married with my wife. I have 20 plus years in the customer service and sales industries. I was a farmer's insurance agent for about four years. I own my own agency. The lockdowns happened. I couldn't really get out and talk to too many people, so I mostly relied on local, the realtors for homeowner quotes and just putting my, making up flyers and putting them in door hangers and putting my name out there as best as I could. And I did pretty well for quite a while until I ended up closing my business once my wife and I got divorced. I ended up working for another agent locally handling his, while his office manager was on maternity leave. So I handled all of the inbound, outbound calls, emails, doing homeowner and auto quotes, live quotes, sending out evidence of insurance and whatnot. So I'm very passionate about the insurance industry. I feel it's extremely vital that people are well educated to what they have and the liability, the exposure that they could potentially open themselves to if they're underinsured. So I'm very much passionate about the insurance industry and helping other people as best as I can.