It's not a lot of money. But it's just ridiculous. If they want to pay us more money, fine. But it doesn't make sense to me.

My husband is a big talker and he's full of puffery.

I'm in charge of the day-to-day operation.

We can't tell over the phone if the person is a senior or disabled. And when we pick them up, they don't have to provide any identification or sign anything. We just take them where they want to go.

We defended horribly. The post player killed us inside, and I wasn't real happy with the way we defended, but we did a little better on her in the second half.

The framework we've developed gives us a systematic way of doing that and of distinguishing the best companies from those whose risk practice is more average.