 This gives you the opportunity to truly compare multiple rates with one phone call. Hi, I'm Lori Sell. And I'm Susan Morrison. We are independent agents. We represent over 20 of the top-rated insurance companies. Call us at Shepard Insurance today, 928-445-4600. Welcome back to KYCA. It's VA Day here. And we're going to jump over to line one. We've got a quick caller. And good morning. How are you today?