 And he didn't even know about that particular provision in the coverages. And so he thought he had done everything that he could for the guy to get him $100,000. And we ended up getting him another $100,000. So it's those sorts of things. You just have to kind of talk your way through it. And it is really just having conversations and kind of asking questions about, well, what's your situation in life? Because it makes a difference. And usually that first...