One of the mistakes that I have learned from the job is that I sent the quote too early before I submitted the finalized premium. Because through the finalized premium, the premium can be most likely going up. But the prospective insurer already has received my quote which is lower, they're happy with that. So I always need to double check what is the final quote that I can send it to. If I have sent it too early and then the final premium, the quote is higher than the one that I have sent, the prospective insurer can be disappointed. That's one of the very important things that I learned from the mistake. Not only that, also sometimes you want to be more widely taking care of customers because some customers already know how we do when we get the quote. When we compare to another carrier, DHO, sometimes I thought the prospective insurer, they totally don't understand what we are doing. But some of them already know how we are doing. So also when we approach, when I talk to the customer, I need to be more cautious how we deliver, how we communicate with them.