My apologies on the previous answer, I hit the button before I was done recording. Second question is, please tell us about a time when you had to deliver bad news to a client and what was the result? Well, in insurance, insurance is a field that based on the feedback that you get from your underwriters, they've got 60 days to review what you submit to them in a policy. Most of the time, the bad news that I have to deliver to a client is in relation to improvements or updates that they need to make to their home in regards to homeowner's insurance. Many times I've had to deliver news like, well, we can't continue this policy unless you replace a roof or unless you need to make some aspect of modification to their homes. What was the result? I'll tell you, one time when I had to deliver bad news to a client.