I'm just a regular person, not an agent. I've seen mention here that commissions are lower for high-deductible Medigap plans than for regular Medigap plans, and I'm curious why that is. Is it because the premium is lower for, for example, a high-deductible G than it is for a regular G, and the commission is based on the premium, so the commission is therefore lower for the plan that has a lower premium? Or is the commission on a high-deductible plan structured fundamentally differently?