Okay, I like insurance because it's something that people need and it can be tremendously helpful but in a lot of cases they don't think that they need it and it's not something that people get really excited talking about and so there's a challenge there because you have to convince something, it's ultimately about convincing somebody to buy something and to renew something that they don't really like to talk about or worst case scenario that they don't think that they actually need and the fact that you are providing a good product that can really, really aid their future, that can protect them, I like that aspect of it and I like the challenge of it not being a very easy sell and you still have to make it something where people understand what it can do for them and then you get them to purchase the product once you can make them understand what it can do for them.