Well, Mr. and Mrs. Smith, I thank you so much for your time and submitting the information that we were able to get to our underwriters. Looks like you've been approved for their best rate, and as you can see here, not only was the homeowner's rate a better fit with increased protection for your personal property and content, but we were able to bundle, if you look in that second page, an additional discount for your automobiles, including a million-dollar personal umbrella policy that you hadn't had in the past. So I want you to take a look at that total outlay of your expenses to see what better position you'd find yourself in with this offer, based on the dollars that you're currently spending. And let me know if it's a preference to begin this the first month or the 15th. I appreciate your time.