 Hi, Mr. Chadwick. I had a challenging time, one time, with a client that did not know what uninsured under insurance motor protection was. How important it was. They thought they were getting at least expensive rate, and I explained to them that they needed the UN protection, and the reasons why, if somebody hit you that doesn't have insurance are not enough insurance, basically that's where you have that coverage. Anyways, that was one challenging time of many.