 This one comes during the live chat over on YouTube. They want to know how do you keep your agents motivated when they could potentially face charge backs, even though it's part of the business? Yeah, you've got to, it's real easy to get unmotivated if I'm not focusing on my results. If I'm not working, if I'm not seeing 10 people every week, as long as I'm seeing 10 people every week, charge backs is a part of the business. It won't kill me because it's a cycle, and I'm always putting new stuff in. If you don't put new stuff in, new money in, it doesn't matter. You're going to get charge backs, you're going to fail, you're going to quit, but as long as it's the people that are consistent, that's the easiest way to be motivated, stay consistent. You can reward persistency with your agents. You can give a big bonus at the end of the year for persistency, you can give lead credits for production with persistency. There's things you can do to incentivize agents, but as long as you put some focus on it, and there's a cycle and they're always seeing people, then they won't worry about it as much.