I have asked this before with little or no response, but let me try again. Just curious on the insurance front – can I ask you to share how much your deductables are for property damage and other coverages you may suggest after being in business for awhile? I am currently insured through Lockton with Hartford as the carrier. I have some sort of “janitorial stretch” added which also covers my equipment. Those who have been in business for awhile, do you have any suggestions? Riders, carriers, extra coverage, etc.?