Sandy, you mentioned home agents. The agency I work for used to have many. They changed the policy shortly before I came and said they would never again offer at home agent positions. I guess the old saying, "Never say Never..." is true. We bought a building and now don't have to rent space. Along with the new building came new issues, parking for 300 agents and other tenants of the building being a big one. They're re-considering home agents. They put out a list of criteria to be considered and I'm eligible. I have applied, I'd love to be able to work from home.