So, I would say that the biggest challenge with dealing with certain clients would just be getting them to understand the policy that they have selected, whether it's breaking down their out-of-pocket maximum or letting them know that they decided to choose a co-insurance instead of a co-pay. In a lot of those cases, it would just be about staying calm and letting the client know that if the benefit package that they chose at the time that they thought was beneficial to them at the time and it's not beneficial to them anymore, then taking the necessary steps to help them so that they can stay a client.