 changes in the industry and things that people need to make sure that they're doing. And when you get that new policy that comes in, we've been really hitting on the fact that you may need to review it because there could be some different things that are involved in that. Can you touch on the importance of reviewing that policy each year and who we should be doing that review with? Well, the agencies own the policy for the insureds and we are the company that they write with. So