So, third question I have here is tell me about a challenging client. I would say your most challenging clients are always going to be the ones that don't necessarily understand exactly what it is that you do and the value that you add to their life. A challenge in that is usually in my experience something that you can reflect on as whether it's an agent or an advisor or just relationship management in some way, shape, or form where they're challenging you because they don't entirely understand what it is that you do and the value that you bring to them. So a challenging client is usually an opportunity to reflect on that relationship and try to understand why it is that they are in fact challenging, whether they're frustrated about a premium rate or they're dealing with a claim process, something along those lines, a coverage that they don't necessarily understand or a payment that they don't understand. Usually within those challenges it comes from a misunderstanding in my experience. So it's really about deep diving and trying to understand why they're being challenging, why they're being frustrated, why they present you more hurdles than other individuals or households and usually if you ask the right questions and you're not afraid of those answers you can usually get to a pretty solid answer and kind of eliminate that challenge for yourself and I think it definitely helps that relationship continue to grow and flourish.