Sometimes I would get impatient with some underwriters. You always have to understand their point of view, plus you have so many different ones you have to deal with. And I think that I mastered it pretty well. There are two sides to the story. A lot of times if you're trying to get an underwriter to take a certain type of business, but I usually, for the most part, got my way. I learned I'm pretty good at persuasion and I'm a pretty reasonable person.