I don't mean in reference to networking and prospecting; rather I want to know how aggressive others are when you have a piece of business that is border-line? For clarification I am talking about commercial accounts where it is probably good enough to fit in your standard carriers, but is on the border of E&S. Maybe the property is older, few repairs, etc. Are you willing to be aggressive and put it in a standard market? Or do you defer it to the E&S to protect your profit sharing and loss ratio?