What separates me from the other candidates would be that I do have a lot of knowledge, maybe not expertise, but I do have a lot of knowledge to at least get me started in understanding in the business, insurance, risk management type of situation, I've heard plenty of testimony from all sides, the consumer, the employees, doctors, lawyers, engineers, accountants, from everything like that, and I do have an experience in sales, I do have experience with customer service, all the way starting out from when I was in actual physical retail sales to then over to on the phone, and I've generally always been very successful in that role and I do enjoy working with people and talking to people on the phone, solving their problems, helping them get to the solutions they need, and I'm excited to start a career with you guys. Thank you.