The biggest challenge that I faced was probably dealing with the commission only. It's been really, really hard. You know, that's probably why I'm looking for something else. I don't prefer the commission only, although commission is really good to have and I prefer it. But when it's the only thing and then there's a high turnaround like a lot of cancellations or they cancel if someone hasn't made the next payment and all of the chargebacks hit, then it puts you in a bad situation there. So that's probably the only thing that was hard and challenging.