I'm sorry, this would be for question three and four. At New York Life, I always went above and beyond for my clients. I found that they didn't always understand the first step into financial planning and insurance needs, so I always made sure to educate them as much as possible. It's not that it was frowned upon, but it wasn't that common, I found. So I'd always take them step by step, did budgeting, educated them on everything New York Life and what it needed, and then I let them also make the educated decision instead of me just telling them what to do. I found that's best for the client relationship. Also, I do prefer to work with a team. I think it's best that everyone works together. I think a lot of the outcome will be faster and effective, and I love bouncing ideas off people and just getting the best for the job done.