The biggest challenge that I have had at this job is, well, course insurance definitely is changing all the time, but this was my first time this last couple of years dealing with about 30 to 40% increases and reviewing with customers, they're angry, so I really had to figure out a new way, you know, do I start with price or do I start with coverage, and so I've kind of ventured down two different avenues and I've definitely found a unique way to just kind of start with coverage and really listening to the insured, not making it all about price, but more just education and being a good listener and trying to retain business and actually this has been the first roundabout that I've actually had a good retention rate on my renewals.