So, the one time that I would say I had experienced, not necessarily a problem, but a conflict on getting a client approval, instead of underwriting a client, we needed to wait to take advantage of birthday roll. That way there would be no medical questions asked, and explaining that to another agent that it's not always going to be a cell today, in the best interest of the client, would have been to wait. And so, once I educated her on the birthday roll, special specific state clauses, it resolved itself fairly quickly, and I was very happy with the outcome, but thank you.