 because we had a number of different experiences with financial planners, and they wouldn't tell us everything. So whenever we ask a question, he gives us the good, the bad, and the ugly, so we actually know where we stand when we make a decision. That's a pretty good referral when you have a university professor saying, I teach Ph.D. students. Oh, and by the way, I've researched Dan White, and I recommend him. Give Dan a call, 888-690-8820. Dan White & Associates, 888-690-8820. Call now.