The biggest challenge that I do face in my current role is overall rate adjustment. Rate adjustment, pricing increase, inflation, and fluctuation. I would say the way I do handle these situations is just addressing it head-on and not beating around the bush, getting straight to the point, but also letting the person on the other end know that I am human as well. That can look somewhere along the lines like, hey, Mr. Customer, I do understand that this may have caused any inconvenience. I do want to apologize for that. I am human just as you are. I pay for my services. I am a consumer as well. I do want to let you know that we did try to let our customers know in advance of the pricing increase on our products and services and so forth. This is what you do have. I'll emphasize on the benefits and services that they currently have, and then I will reiterate, hey, this will work for this 12-month term for this pricing increase. During this term, the price will not increase. However, at the end of the term, I know changes may alter during life. We can always adjust and make modifications if we need to at the end of the 12-month term, so I always just try to address it head-on and relate to the person. I am putting myself in their shoes. I am a human just like you are, but know that I will work with you and we will help figure out the best solution and the products and services that fits yours and your family's needs.