 But you can't have that conversation, Manning, unless you take the time to learn about their business. And if you don't take the time to learn about their business or be allowed to learn about their business, sure enough, a claim is going to come up and you're going to find there was a hole in that policy that you would have discovered had you had a chance to go through it. Right. Insurance is not for the lazy at heart. That's right. It's a big investment in your business, whether it be at home or commercial. So to get that conversation started, James.