 When contacting customers for rate increases, I have a couple brochures and flyers that I like to also send over to them in an email. I kind of explaining inflation and why everything is going the way that it is as far as use car sales have gone up the cost of supplies have gone up the cost of labor has gone up the the hurricanes affect us, the fires, everything, insurance is taken into account as a whole. Instead of individually, because a lot of people who have been with a company for a long time, they get pretty upset when they haven't filed any claims and their rates are going up. So when you kind of explain to them what's going on and it's not from a company standpoint but more so from a country standpoint it seems to go over a little smoother. I think that customer service is a huge part of retention as well so just having that relationship with your customer definitely helps with the common [BLANK_AUDIO]