Yeah, experience problems with team members, yeah, and clients, and all of the above. I think the best way to solve problems, you're never going to make everybody happy. But I think the best way that you can solve problems is to keep a level head and keep the line of communication open. So we've had everything happen in our agency, people stealing books of business and other agents and oh my gosh, over the last 10 years, I've seen just about everything that I would ever like to see. So I would say in answering that question, how do you, yes, experienced lots of challenges with building people and building teams and agencies, and how is the solution resolved? I think that when you can take yourself out of it, and the emotions out of it, and you can do what's best for everybody involved, and that often means that nobody's 100% happy, but everybody gets a piece of the pie. I think you can end most things amicably, even if people have done you wrong. I think there's a positive way, you know, to be in the industry for 10 years and never have any red marks or any complaints or anything like that. I think it takes a lot of finesse in being able to handle challenges that happen with people both on the team member side and on the client side. And so again, I think it's just coming down to it as having a heart and trying to find a reasonable middle ground the best that you possibly can.