 An independent agent means that we represent many different companies. What that does is, is company B decides, well, we don't want to do this anymore. But company R over here says, well, yeah, we think we'd like to do this kind of business. So we can go to company R and get a better rate and, you know, broad and better coverages from that company. Because the more appetite a company has, the more breadth of coverage we can get.