 Thank you for having me, Kate. So it's true, there is this succession thing that's starting to happen, but how do business owners plan for it, and are they planning for it? What did you find out in your business owner survey? The numbers really are staggering. There are 33 million business owners, and I was surprised to learn that a majority of them are over the age of 55. So at Everett Jones, we wanted to understand this gap