 Well, the one thing that I tell everybody is in this type of system, especially with the insurance sales lab, is that they're like, well, I really don't know if I want to spend that money and I have to change that terminology because it's not really a spend, it's an investment. And so it becomes a spend if you don't use it, or if you don't utilize it, or if you don't join the insurance sales lab, it becomes an investment once you do. Invest in yourself and this is the best way to do it.