I have an educational background and I am very patient with people in terms of explaining terms and coverage and helping manage their expectations and also to understand liability and what the upside is to having the very best coverage possible to protect their portfolio and net worth and I have been told that many times that if someone else had explained something well as I did to them that they would have, for instance, purchased an umbrella policy from the outset when they bundled their auto and their home coverage. I was very good at generating sales for umbrella policies as well as helping people get the best coverage and the right coverage. Often people were underinsured every now and then they were overinsured but that was very, very rare. They were typically underinsured so being very careful, being very thorough in providing information and critical data that might help them make the best choice for themselves and also being friendly and personable and caring about people. So all of that rolled into one has been a good template for success and if clients are successful so are we so that's always my overarching goal.