My name is Joseph Michael Mikiu, I'm 53 years old, a carpenter by trade, certified in heating and air conditioning, even worked on an ambulance, an EMT for about 12 years. Got into insurance about a year ago, had a shoulder injury. So one of my good friends, he's a life and health guy, and he reached out to me, I went and took the tests. I passed my life and health first on my first try after some studying, and then I took the PNC test shortly after that, and passed that on my first try as well.