A time that I had to deliver bad news to a client was not actually in an insurance agency because I've not been servicing accounts, but was when I worked at the dentist office and a patient had a rather large dental plan to be done. And actually as we got through the work and started working through the work, we found out that their insurance was not going to cover any of it. So they were going to be out an extra $1,500 in the time frame. It was a little earlier in my career, so $1,500 was still a huge amount of money. So what we wound up doing is we worked with them and put them on a payment plan so that they could pay in increments that would help them. They dropped their dental insurance because it wasn't going to cover anything anyway, and kind of used the money from that and pulling some other resources together and were able to get their work done and done right.