 Hey, welcome back. Don't forget Nichols, a household name in this area. Been there over 100 years. The Moore family has the general merchandise for anybody and everybody in the family. From sporting items to clothing to redecorating your home to wedding gifts. Winfield, Leesville, Cushota, Manning. That's the Nichols store close to you. Insurance Commissioner Tim Temple is our guest. Tim, what are some of the areas that you're working on now and some of the meetings you're having on trying to reform insurance?