 For most people, I'm going to say no. Not everybody, but most people I'm going to say no because I know their circumstances, their existing clients. Someone who is a salesperson, if their phone rang and someone said, ooh, ooh, ooh, can I get me some life insurance, please, Mr. Salesman? That salesman would be over there with an app and a pen as quick as you can say sign here. Here's the clipboard, yeah. Know who you're talking to. And I will tell you this, I talk more people out of life insurance than I talk into it because it's got to be in their best interest.