Yeah one of the biggest challenges I faced was being CMS compliant. It's a lot of different rules and regulations based on different seasonal periods that allow you to roll members in the health care plan. So I had to really take my time and learn those different seasons, the different rules, not like PNC to where somebody could call and switch. It's different rules and regulations that I have to go by and that I had to learn to help me along the way. Thank you. What a question.