Now, this is a big one for me because most of my experiences in the insurance industry, especially the non-traditional companies, selling policies is way up there and servicing policies is almost non-existent. So there's a fine line, I understand agencies have to sell policies, I get it, it's a business, I understand that completely. But I'm one who believes that you can also add service and still sell policies. You have to work a little harder and stuff like that. I was working for Direct and National General, I was one of their main carriers, and now I'm working for Florida One, and Florida One is a brokerage firm, and NatGen is one of their carriers, and you see the policies are in disarray because once that policy is sold, there is no more recognition, there's no going back to that policy. And with NatGen, they have their what-to-dos, and a lot of times people don't understand what it is for them to do. So the policy can cancel for some silly reason, like a missed signature or something like that.