And then the frustrating part -- out of state agents (who were already contracted before the big freeze by KSKJ) are getting non-resident appointments in Kentucky, and then selling here in my back yard. KSKJ was recently admitted to Kentucky (they never offered a Med sup here), and they haven't been offering new contracts since they were admitted. So far, it's not been a big issue, but sooner or later someone will ask me why I'm not offering such good deals to folks with health problems.