In the traditional financial space, all the different professions, from your attorneys, CPAs, financial advisors, and insurance agents, they're all siloed. And because they are siloed, we find that they're all in a state of competing against one another. In the beginning, here at OWLFI, we saw disconnects between the different financial professionals. They were at odds with one another to the detriment of their clients. So we felt that it would be better if we could get everybody together under the same roof on the same team. With the usual referral agreement, you don't get all your professionals working together on the entire planning process and understanding the intricacies of the deployed strategies. When we do this, our clients receive a much broader, more robust, strategic plan that is better prepared to deal with market fluctuations, longevity risks, inflation risks, and the general state of uncertainty and unknown that people face heading into retirement.