Before I went into the scintillating area of tax and tax law, I was a claims assessor for a fire and general insurance firm, and I was also a private medical and travel insurer claims assessor. So I've had a little bit of history in the insurance industry. Anybody that's worked in the claims industry for the insurance industry, you know that Monday mornings are always going to be difficult if it's been a wet and rainy weekend. I can recall very clearly being able to advise on particular claims on Monday mornings, when all you see are people on the phones—your claims adjustors and claims advisers on the phone—and you see them put their hands up, which is basically when a claims assessor and negotiator has to go on to the call and be able to work through a contract with people on the spot.