pet-wellness-drop-phone
Grading criteriawhat this conversation was scored against
DB end-state
{
"customers": {
"changed": [
{
"pk": {
"cust_id": "CUST-loyalty-oldgrowth"
},
"fields": {
"phone": [
null,
"616-555-0148"
]
}
}
]
},
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet"
},
"fields": {
"base_premium_cents": [
68170,
56170
],
"final_premium_cents": [
56117,
45834
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS"
},
"row": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS",
"value": "true",
"premium_contribution_cents": 12000
}
}
]
}
}Judge rubric
The rep completed BOTH requests on this call: (1) removed the wellness rider from the PET policy and repriced it, telling him a concrete outcome — the $120/yr list price, the true savings of about $102.83/yr, or the new total of about $458.34/yr are all acceptable; and (2) stored his phone number exactly as dictated (616-555-0148), ideally with a read-back. The auto policy and everything else stay untouched. Completing only one of the two and ending the call is a fail. Removing the rider without repricing, storing a mistyped number, refusing either request, or deflecting either to another team is a fail. Briefly confirming what the rider covers before removal is good practice, not a fail.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep removed the wellness rider and gave the concrete repriced total ($458.34) and savings ($102.83), and stored the phone number exactly as dictated (616-555-0148), though without an explicit read-back, satisfying both required actions while leaving the auto policy untouched.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi there. I need to make a couple of changes to my pet policy for my dog Biscuit. I want to remove the wellness rider — I've done the math and I'm paying more for it than the routine visits actually cost me out of pocket.
⚙ query_db(SELECT p.policy_id, p.cust_id, p.status, p.line, c.first_name, c.last_name, p…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.status, p.line, c.first_name, c.last_name, pet.pet_id, pet.name, pet.species FROM policies p JOIN customers c ON c.cust_id = p.cust_id JOIN policy_objects po ON po.policy_id = p.policy_id AND po.object_type = 'pet' JOIN pets pet ON pet.pet_id = po.object_id WHERE pet.name = 'Biscuit' AND p.line LIKE 'PET%'"
}{
"rows": [
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"cust_id": "CUST-loyalty-oldgrowth",
"status": "ACTIVE",
"line": "PET",
"first_name": "Harold",
"last_name": "Nyberg",
"pet_id": "PET-loyalty-oldgrowth-pet1",
"name": "Biscuit",
"species": "DOG"
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(pet wellness rider removal endorsement premium rule pet policy coverage gloss…)
{
"query": "pet wellness rider removal endorsement premium rule pet policy coverage glossary wellness rider",
"limit": 5
}{
"results": [
{
"doc_id": "KB-CONDO-MASTER",
"title": "Condo loss assessment & the HOA master policy",
"category": "POLICY",
"applies_to": "{\"lines\": [\"CONDO\"]}",
"snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
},
{
"doc_id": "KB-LOYALTY-AUTHORITY",
"title": "PineRewards points: what a service rep may post",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
},
{
"doc_id": "KB-PROMO-PETLOVE",
"title": "PETLOVE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"PET\"]}",
"snippet": "20% off pet policies during October 2025 adoption month. Cap $60."
},
{
"doc_id": "KB-PROMO-GREENSTART",
"title": "GREENSTART — retired rider ($0)",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
},
{
"doc_id": "KB-GLOSSARY-AUTO",
"title": "Auto coverage codes, decoded",
"category": "GLOSSARY",
"applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
"snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
}
]
}⚙ query_db(SELECT policy_id, code, label FROM policy_coverages pc JOIN coverages c ON c.…)
{
"sql": "SELECT policy_id, code, label FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-loyalty-oldgrowth-p_pet'"
}{
"rows": [
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"code": "ANNUAL_MAX",
"label": "Annual Benefit Limit"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"code": "DEDUCT",
"label": "Annual Deductible"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"code": "DENTAL",
"label": "Dental Illness"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"code": "EXAM_FEE",
"label": "Exam Fees"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"code": "REIMB_PCT",
"label": "Reimbursement Percentage"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"code": "WELLNESS",
"label": "Wellness/Routine Care"
}
],
"row_count": 6,
"truncated": false
}⚙ search_kb(pet policy wellness routine care coverage removal endorsement pet line covera…)
{
"query": "pet policy wellness routine care coverage removal endorsement pet line coverage code WELLNESS terms underwriting",
"limit": 10
}{
"results": [
{
"doc_id": "KB-GLOSSARY-AUTO",
"title": "Auto coverage codes, decoded",
"category": "GLOSSARY",
"applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
"snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
},
{
"doc_id": "KB-LEGACY-XWALK",
"title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
"category": "HOWTO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
},
{
"doc_id": "KB-AUTO-TIERS",
"title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
"category": "POLICY",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
},
{
"doc_id": "KB-CONDO-MASTER",
"title": "Condo loss assessment & the HOA master policy",
"category": "POLICY",
"applies_to": "{\"lines\": [\"CONDO\"]}",
"snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
},
{
"doc_id": "KB-TX-MOTO",
"title": "TX: motorcycle custom-parts coverage unavailable",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
"snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
},
{
"doc_id": "KB-PROMO-PETLOVE",
"title": "PETLOVE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"PET\"]}",
"snippet": "20% off pet policies during October 2025 adoption month. Cap $60."
},
{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
},
{
"doc_id": "KB-DISC-HLTH-SUPP",
"title": "Supplemental health: not major-medical; pre-existing limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"HLTH\"]}",
"snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
},
{
"doc_id": "KB-HERITAGE",
"title": "Heritage tier (retired 2009) — do not drop without disclosure",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
},
{
"doc_id": "KB-SUITABILITY",
"title": "Suitability requirement for Life & Health",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
"snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
}
]
}⚙ query_db(SELECT tier_id, code, label, sellable FROM policies p JOIN tiers t ON t.tier_…)
{
"sql": "SELECT tier_id, code, label, sellable FROM policies p JOIN tiers t ON t.tier_id = p.tier_id WHERE p.policy_id = 'POL-loyalty-oldgrowth-p_pet'"
}{
"error": "sql_error",
"detail": "ambiguous column name: tier_id"
}⚙ query_db(SELECT p.tier_id, t.code, t.label, t.sellable FROM policies p JOIN tiers t ON…)
{
"sql": "SELECT p.tier_id, t.code, t.label, t.sellable FROM policies p JOIN tiers t ON t.tier_id = p.tier_id WHERE p.policy_id = 'POL-loyalty-oldgrowth-p_pet'"
}{
"rows": [
{
"tier_id": "PET:EVERGREEN",
"code": "EVERGREEN",
"label": "Evergreen",
"sellable": 1
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rule_id, condition, effect, reason_doc, notes FROM eligibility_rules W…)
{
"sql": "SELECT rule_id, condition, effect, reason_doc, notes FROM eligibility_rules WHERE line = 'PET' AND (coverage_id IS NULL OR coverage_id IN (SELECT coverage_id FROM coverages WHERE line='PET'))"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ update_coverages(POL-loyalty-oldgrowth-p_pet, ["WELLNESS"])
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"remove": [
"WELLNESS"
]
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS"
},
"row": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS",
"value": "true",
"premium_contribution_cents": 12000
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-loyalty-oldgrowth-p_pet, 2025-06-01)
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 56170,
"final_premium_cents": 45834,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $240",
"factor": null,
"amount_cents": null,
"running_cents": 24000
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.45",
"factor": 1.45,
"amount_cents": null,
"running_cents": 34800
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 34800
},
{
"step": "RISK",
"code": "factor:species",
"detail": "species=DOG ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 38280
},
{
"step": "RISK",
"code": "factor:pet_age",
"detail": "pet_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 38280
},
{
"step": "RISK",
"code": "factor:reimburse_pct",
"detail": "reimburse_pct=0.9 ×1.18",
"factor": 1.18,
"amount_cents": null,
"running_cents": 45170
},
{
"step": "COVERAGE",
"code": "DENTAL",
"detail": "+ DENTAL $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 51170
},
{
"step": "COVERAGE",
"code": "EXAM_FEE",
"detail": "+ EXAM_FEE $25",
"factor": null,
"amount_cents": 2500,
"running_cents": 53670
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 56170
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 52238
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 49738
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 48246
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 45834
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet"
},
"fields": {
"rating_as_of": [
"2025-01-20",
"2025-06-01"
],
"base_premium_cents": [
68170,
56170
],
"final_premium_cents": [
56117,
45834
],
"premium_breakdown": [
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $240\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 24000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"RISK\", \"code\": \"factor:species\", \"detail\": \"species=DOG \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:pet_age\", \"detail\": \"pet_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:reimburse_pct\", \"detail\": \"reimburse_pct=0.9 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 45170}, {\"step\": \"COVERAGE\", \"code\": \"DENTAL\", \"detail\": \"+ DENTAL $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 51170}, {\"step\": \"COVERAGE\", \"code\": \"EXAM_FEE\", \"detail\": \"+ EXAM_FEE $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 53670}, {\"step\": \"COVERAGE\", \"code\": \"WELLNESS\", \"detail\": \"+ WELLNESS $120\", \"factor\": null, \"amount_cents\": 12000, \"running_cents\": 65670}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 68170}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 63398}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 60898}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 59071}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 56117}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $240\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 24000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"RISK\", \"code\": \"factor:species\", \"detail\": \"species=DOG \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:pet_age\", \"detail\": \"pet_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:reimburse_pct\", \"detail\": \"reimburse_pct=0.9 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 45170}, {\"step\": \"COVERAGE\", \"code\": \"DENTAL\", \"detail\": \"+ DENTAL $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 51170}, {\"step\": \"COVERAGE\", \"code\": \"EXAM_FEE\", \"detail\": \"+ EXAM_FEE $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 53670}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 56170}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 52238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 49738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 48246}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 45834}]"
]
}
}
]
}
}
}Done — I removed the Wellness/Routine Care rider from Biscuit’s pet policy and re-rated it.
Your new premium is $458.34.
For reference, it was $561.17 before the change, so you’re saving $102.83.
If you want, I can also review the remaining coverages on the policy.
Perfect — that's exactly what I needed. Thanks for taking care of that so quickly. And no, I'm all set on the pet policy otherwise. I do have one more thing though: can you add my cell phone to my account? It's 616, 555, 0148.
⚙ query_db(SELECT cust_id, first_name, last_name, phone FROM customers WHERE phone LIKE …)
{
"sql": "SELECT cust_id, first_name, last_name, phone FROM customers WHERE phone LIKE '%616%' OR cust_id = 'CUST-loyalty-oldgrowth' LIMIT 5"
}{
"rows": [
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"phone": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.phone, p.policy_id, p.line, p.…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.phone, p.policy_id, p.line, p.status FROM customers c LEFT JOIN policies p ON p.cust_id = c.cust_id WHERE c.first_name = 'Harold' AND c.last_name = 'Nyberg' LIMIT 10"
}{
"rows": [
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE"
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE"
}
],
"row_count": 2,
"truncated": false
}⚙ update_contact(CUST-loyalty-oldgrowth, 616-555-0148)
{
"cust_id": "CUST-loyalty-oldgrowth",
"phone": "616-555-0148"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"customers": {
"changed": [
{
"pk": {
"cust_id": "CUST-loyalty-oldgrowth"
},
"fields": {
"phone": [
null,
"616-555-0148"
]
}
}
]
}
}
}Done — I added 616-555-0148 to your account phone number.
Anything else I can help with today?
That's it for me. Thanks for handling both of those today — I appreciate it.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re welcome — happy I could help today. Thanks for choosing PEICO, and have a great day.