As far as agent commissions ,overrides ,marketing money thats all speculation as we don't know what happens in 2026. But a few things we know will happen and it's important to start preparing for it . #1 we know with pretty much certainty UHC the biggest will term a lot of areas and plans along with some other carriers.They took on a lot of sick people and will exit some of those areas . #2 I foresee big commission suppression of plans as carriers that are "open for business " get flooded with plans and must control the vol . Many people are expecting much more chaos than last yr . I think several smaller regionals and perhaps small national players could exit the mkt .I believe carriers will take that extra money Trump is giving and use to shore up profit margins big time . That said 2027 should be much better and hopefully the agent will still be relevant in selling it .