 So many agents believe that they need all the carriers in the world. Believe it or not, I always use three. It's crazy. Believe it or not, you don't need them all. It's simple. My call center, my agents in the field, when I sell over the phone or in person, it doesn't matter. I use three. I've got someone for healthy people, so kind of a middle of the road that can catch the difference between healthy and guaranteed issue, and I've got a GI for unhealthy individuals. Final expense, I use three carriers. Keep it simple, stupid. That's my motto when it comes to, when you're in front of somebody, you want to keep it simple. You want to be able to go straight to it, be able to close them. You don't want to think about it. You don't want to call someone. You don't want to be rummaging perhaps because you're trying to sell 12 different carriers. Keep it simple, and I promise it'll pay off.