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What advice would you give somebody in that position who is looking at some of these niches like restaurants and maybe going, eh, should I even waste my time there? What would be your thoughts?

I'm a firm believer that things that are very difficult worth doing. I'd say, moreover, in especially in the insurance industry, these really tough to place or complex risks for agents oftentimes come with high premiums and they can be great revenue generators within your business. Also, if you think about this competitive space like, you know, let's talk about may be a casual dining restaurant with 40 to 50% of their sales being alcohol receipts, there's not many carriers or programs that want to take a look at that risk. And that's very beneficial for the agent because, you know, essentially they're going to have the insured corner and it's very difficult to compete with you as an agent. If you've set up the right coverage for the agent or for the insured, you're a valuable counselor to them and provide all the right coverage lines. You're going to be a huge advocate and asset to that insurance.