How to close a tough customer, well, pretty much what I have done in the past is point blank told it like it is. I'm like, okay, so I'm here to assist you with insurance needs and that I'm looking at your current policy versus what we're offering you and I'm seeing some missing elements and here's a comparison. This is what you have, this is what we're offering and insurance is a what if scenario. So you may pay into it for years and years and years and never have to use it but the one time you do, you definitively want a policy that's going to cover you so that you're not turning around and saying, you know, to yourself later, oh, I should have listened to her because she mentioned that I needed to have XYZ but I said no and now it happened and I should have listened to her.