I would say the biggest challenge that I overcame in this position that I'm currently in would be when a loved one had taken out an insurance policy for a pre-arranged funeral. Basically they wanted to do the right thing and make sure that their loved ones would be prepared when the time came that they had passed. I believe they might not have understood the policy whenever they originally purchased it but sitting down with them and going into great detail basically revisiting that policy and making sure that what they had now would work with their needs, their current needs basically. So we did do a rewrite for that policy just because what they did have pre-arranged beforehand was fitting their needs then but didn't quite fit their needs now. So I would say making sure that they were well informed and getting the best policy that would fit for their family.