The Customer Decision Making Is So Different in Our Insurance Business

The biggest factor in retention rate is a who the customer is, not what the product is or. It's more like, our customers are x % loyal. If you attract the right kind of customers, either loyal or not loyal, then that's what you end up with. In general, they're low for banks, but also, it's weird, because people basically take out money without closing the account and everything. So there's all sorts of ways of gaming. Ye, um, i think it can be pretty significant in the first year, but then after that it's pretty low. Some of them do break down talk about it. M, i think we talked a little b