 When you take the human element out of the equation of a professional service like the insurance coverage is, you take away the ability to have the product framed around your particular circumstances, which is what we can do. I'm sorry, the national carriers can't do it, and they don't do it. This is how the communities have evolved by having people like local towns, people supporting local businesses, and then the businesses giving back to those nonprofits that make our lives that much better.