 Well, I'm going to make a plug for the office, and I know we're close to a break here, but we now have 17 certified financial planners. Dylan on my team just got his experience and had passed the CFP exam previously. So one of the things that we'll often do if we haven't encountered something is we're going to send an email to planners at CFG, and everybody can opine on whether they've encountered that particular situation. So we have the brainpower of a collective brainpower, which really does help everybody and helps our clients as well.