How to Capitalize a Policy

When we're looking to capitalize a policy, right, that capitalization phase is going to dictate some of the opportunities that we can act on and the timeline that we canAct on them. We believe that education is the most important or that's the hallmark of kind of this phase here is we understand IBC or capitalize on recruiting cash value. Now what we need to do is we need to transition and start to identify some opportunities that may be available to us. So with the utilization now, so now we have the policy. We've got some cash value in there. We've Got some education. What happens here? Sometimes people get stuck, right? They're like, wait a minute