I have a client here in Missouri who has 12 duplex, 2 condos and a few other homes, all that are relatively new. I have exhausted our carriers in trying to compete with Middle Oak. The truth is, the client said he would switch over to our agency if the premium was even close to what he is currently paying. It seems many carriers don't want to take the policy on because the risk is too concentrated. Is there a carrier that anyone would suggest for this?