There is good competition, but it's not as fierce as it is in the United States and it is Greenfield for us. We've got a building pipeline in Australia. New Zealand is a smaller market, but there is a building pipeline there. We've got a very nice pipeline building in Canada and we've got a very nice pipeline that has been built and is continuing to build in the U.K.. So those are a little bit of a Greenfield opportunity for us for sure. But you have to look at our business and really, it's almost hard to get your head around it. According to one consulting firm that we work with, Reagan Consultants, they believe there is 30,000 agents and brokers in America and that is firms, that's not people. Now Business Insurance put out their Top 100 just a couple weeks ago and to be number 100 in the United States, you did $26 million in total revenue. I mean there are thousands and thousands of these agents that do $2 million, $3 million, $4 million that we offer a terrific home to. These are typically run by the entrepreneurs that built those businesses. If we do our job and we pick the right ones, these are people that want to stay in the business. They love the business, they like to take care of clients and they love to go out and sell. And with our platform capabilities and ability to team with people, we give them a great place to land. And so I see terrific opportunities going forward. Is there competition? Sure there is. I believe we compete very favorably with the private equity model especially for those that want to fold in, take advantage of the capabilities and aren't necessarily looking for the next flip. It's one thing to join us and go after accounts that you could have never talked to before, even some of those being your good friends, but at the same time knowing that you had a stable platform, you had a stable place. You can make the sale of the private equities great because they're going to pay you this keep a little equity in, flip it, get a second bite and then flip it again and maybe a second bite there and then flip it again and before you know you don't know where the hell you are.