Let's talk about trust. It's a very important aspect of the business that we do. With all of the headlines in the media right now, it's very valid to be concerned about who you're working with and can you really trust them. The way that we approach this is we design the way that we work with our clients with that in mind. We know how difficult it is for people to trust investment firms or the investment industry as a whole. So what we've done is, we've ask for the least amount of trust on your part as possible. We do this by a couple of ways. One, we do this on a fee basis. We have a separate video that talks about the difference between fees and commissions. I encourage you to watch that. We also, at the outset of our relationship, we don't have any front fees or charges. You don't make any commitments; you're not stuck with us for a long period of time subject to some surrender charge. There are no surrender charges. Your accounts are perfectly liquid anytime. The other thing that we do is we hold our accounts with a reputable firm like Fidelity investments so that you can get access to your statements online. The statements come directly from Fidelity. You know that you own exactly what we tell you that you're going to own. The other thing that we do is in the composition of the portfolios; we don't give your money to somebody else to see what they might do with it. I don't care what their track record is. I've heard it all too often. Wow, this guy had a great track record until you put your money in. We don't want to have that conversation with you. When we construct the portfolios, the only things that we use in the composition of the portfolio are asset class or index funds. We like exchange traded funds because of the cost savings but that, you know, you're going to get exactly that representation or that portion of the market with absolutely no excuses.