 All right, hey, we had a question about literally on our YouTube about filled underwriting, about doing a video about filled underwriting. And I'm not going to go super deep because my biggest suggestion when it comes to filled underwriting is keeping it simple. I don't think you should contract with 69 carriers. I don't think you should try to do everything that everybody else does. I think you should focus. I think the biggest reason why interest agents fail is they get distracted. Focus on a couple carriers that you can learn the underwriting guide and the health questions backwards and forwards inside and out. You can recite it just like you can recite the alphabet, but keep it simple. I think it's one of the biggest things that happen is agents get out in the field. They have this big little tool bag. They have a lot of carriers and they don't know what to do. And the biggest reason why we don't make sales is because we aren't confident that we're going to make it. When I show up to a home, when I take a phone call, if I don't make a sale, I'm upset at myself because I expect it. When you go to a face-to-face appointment, when you get on the phone, when you're trying to set an appointment, you've got to be more sold that you're going to make the sale than the client is on you not making it. So when you're thinking about underwriting and filled underwriting, think about keeping it simple. They say riches are in the niches. I've never been one to sell a lot of different carriers. I'll find one, two, three carriers and then I will go full bore with those. That's all I'll sell. I can win trips. I can win bonuses. I can win lead credits. I can earn extra commission because of my production. And I can keep it simple and be an expert on that insurance carrier, the filled underwriting of that insurance carrier. So when you're thinking about filled underwriting, most people say, hey, you need to study. It's like an encyclopedia of carriers. You got to know all these different underwriting gods. And I'm going to tell you, you don't. People succeed because they stay focused. So keep it simple, sell a couple carriers and become a master and know those inside and out. So that's my suggestion for whoever commented and asked about filled underwriting.