Hello, my name's Carl Schaefer. I moved to Florida a couple years ago to be closer to my elderly father. I've been working in property and casualty insurance for the past 10 years, had a little agency in Memphis for a while as well, independent agency. I know I can do this, I've worked on this down here for a couple years. I like the remote, being able to do something remote. This sounds very great to me. I like to do this. I'm married, I have one daughter, she's about to get married in April too. A very nice young man. I like to travel, I like going to the beach, I play golf and I play ice hockey when I get the opportunity. And my wife and I have one cat.