 We've got a lot of different places that we can go to to try and find the best combination of coverage and pricing and how to help them the best that you can to both learn how to manage risk and reduce it over time. For all types of insurance, it's Barong Insurance, the agency service-built Barong Insurance. Good morning. 620, 20 minutes after 6 o'clock, and Mark Lance joining me. Mark, we're looking here at the radar this morning. Good morning. How are you?