Without knowing the product that I'd be selling them, if it's good or not, I couldn't really give a great answer, but I would just say, hey, you know what, you can always buy cheaper, you know, when's the last time you went to the dollar store, but this product here is going to protect, you know, insurance is all about transferring risk, so you can transfer risk using this product, which is guaranteed to pay out, versus the cheaper version, which, you know, who knows. So that's how I would answer that.