Even traditional aggregators, even their pitch, would find that there's a lot of salesmanship being employed in that conversation. So do you guys personally believe that there is an issue with the entire thing of salesmanship? Or is there a case for that to be made, but not in this particular context of insurance? Right. It's, I don't think salesmanship itself is a bad thing. If there weren't any sales from, I don’t think there would be consumerism. And yeah, we've had to find other ways of incentivizing our advisors to still sell policies because it has to make business sense.