But would you rather recruit a top producer from another lender or would you rather develop one? I

don't know.

I think if you develop one, they're always more loyal.

I would say on the flip side, and I'll just speak from experience, at American Security, the three of our top five producers have all been homegrown.

They started here.

So I would say, and they've all been here seven plus years, so you get the loyalty part.

Just being fully transparent, the downside of that is they don't know anything but American Security.

John, what do you think, buddy?