A little bit about myself, I've been in insurance on and off for 23 years. I grew up in Montana and from 21 I went into the military and I had a nice successful seven years in the U.S. Navy and I really enjoyed that. When I got out I wanted to decide what I wanted to do and got into mortgage banking actually and found that I really liked that and I was really good at it and I worked for a subsidiary of Transamerica called Nova where I got out of the military in Kauai and built up seven agencies there or mortgage bank offices and we ended up selling them to Beneficial and that was great. And then I've just been in finance for a couple more years after that and then I got into insurance so I like hunting and fishing and I wish I could do more fishing, I like that. I love antique cars, I like golfing, I'm not very good at it but I like it anyway. That one to one interaction, I have to challenge myself so there's a lot of similarities to challenge yourself in the business world. So that's a little bit about me, thanks.