I'd say that one of my biggest challenges would be getting clients to understand why purchasing state minimums leaves them exposed, leaves their assets exposed, because a lot of times they're looking at price rather than looking at coverage and the benefits of having more coverage because they're so concerned with getting the cheapest rate. And a lot of times we kind of go back and forth with why it's more important to purchase a higher amount of insurance because if you were to get into, say, like a multi-car accident, you're going to want to make sure that you've got a larger amount than what the state requires because here in Nebraska, state minimums are $25,000, $50,000, and cars are about that price already. So if you're in a car accident with multiple vehicles, you're just going to eat up that coverage and then that leaves you exposed. And a lot of times the clients are like, well, that doesn't really matter to me. They see that they think they're not going to be in that type of situation and I have to really get them to understand that even if you are this wonderful driver, you have to worry about other people on the road as well. So having more coverage is really more beneficial to you and your family because you don't want to have that exposure open like that. And that sometimes became a little challenging.