What separates me is that obviously I'm the top 1% sales in the country, very familiar on the phones. I can talk to anyone and convince them to buy any policy. I'm also a coverage expert so I can explain coverages in a very detailed way. Not only so people can understand what they're getting, I can understand and make them explain, I can explain to them, make them understand what they are not getting and do a very good coverage comparison and let them make the decision, let them feel empowered. So between all of that, yeah, let them feel like they have a hand in the situation and that's why I have a 28% bind ratio.