text:  As we say, hey, let's just work on this together. And instead of just saying, here's what you need, Patty, do this. Let us teach you and let's go through an exercise together and ask some well thought out questions. And I'll give you an example. We've seen people that have come into the office, Patty, where they've had an advantage plan. That's like one of the supplementals to the A and B. And the advantage plan is free. So a lot of people will gravitate towards that advantage plan.