When we look at intentionality, we've heard today in the House that there are incentives for some insurance brokers where if they can get 10 people to get over the line with purchasing insurance, they might get, say, a trip to Hawaii or another incentive. That is not something that should be encouraged. If it is encouraged, then it should be clear to the consumers so they know what is motivating the person who is saying that they are acting in their best interests. 