Well, good morning, this is Dean Neumann, and a happy sales day to the Andres Insurance Agency team, and I want to thank you for this opportunity. Question number one, name a few of my most important goals and dates to achieve them by. Well, I look at things a little differently, you know, knowing that I've had over 30 years of industry experience and chronic coverage knowledge. I see that on every initial call, okay, is a goal. That's how I look at it, okay, I guess a microscope, whatever, however you want to define it as, all right? Why? Because it's a compounding effect. By doing that, on every initial call, I try to connect all the dots, and what are all the dots? All the insurable risk, and usually auto is the door opener, okay? Start there, and I always tell you that a customer, let's look at the total picture, all right, to give them the most maximum savings, and more importantly, to give them an insurance checkup to make sure that they're properly covered. It's like going to the doctor and saying, you know, I want to save some money, just check my heart, but don't check my lungs, okay, that kind of thing, which unfortunately a lot of people do with the advent of the internet. So in doing this, by closing on the sales on the initial call, packaging, cross-selling, up-selling, okay, looking from a sales standpoint, the total picture, because really, from the customer standpoint, you're doing a disservice if you do a monoline, so I always refer to a say no to mon, a why, they're just shopping again at the end of policy period, and then you could fall into a trap, and what's that trap? I just got a bill on my home loan insurance policy of $300, so I thought I was saving money on giving you my auto, but then realizing by doing probing questions that they already had a multi-policy discount, or they already had an umbrella policy, and you didn't ask, and then they get a letter of cancellation, because they no longer have what was the underlying policy, and you just hope you