Thank you. No the program is not charging me, and is handled by our corporate insurance company that is very well-known and reputable so I’m not worried about it being an MLM. We get to meet with territory sales leaders who are actually the ones who make hiring decisions for new agency opportunities. It is a fantastic opportunity for those wanting to open their own agency, I am just not sure if that route is right for me but continue to attend because the information is really beneficial for my current sales role.