 Now, the third step, we used to call this the commitment phase. Now it's called onboarding. When somebody says, okay, Tony, I am ready to move over my 401k to your plan through Tony Walker Financial, what do we do next? Well, that's the beauty of that. In fact, we have people assigned to doing just that. Onboarding means that we're going to verify all the statements you have, whether they're IRAs, Roths, after-tax, where these monies are located.