First off, nice to finally meet one of our new agents. Welcome to the HIFL, Always good doing business with a new agent, Ok, let's get this done, I want you to pick the best situation for your client. I don't have a lot of bonus money but I can pay straight up. So here are two offers I had in mind, 4 years, 6 Million fully guaranteed or 3 years 7 million with 500K bonus money straight up. Which sounds better?