Tell us a little bit about the kind of people that you're working with today and where you're headed and where you're going.

Well, thank you.

And Ray, the interesting part of my change to where I am now to me was I first had to fail at this.

And it wasn't so much failure with respect to the financial collapse or something like that.

What it was was as I closed my agency and I began to follow the model that was starting of sending people home to do back in 2007, I had.

was also franchising companies by then.

And I had a franchise development company.

You've got two minutes over here, Joe.