 Hey, it's Rick Jensen, sitting here with Frank Edwards, fellow client of Dan White, retirement consultant specializing in retirement income. Frank, it's good to meet you. Nice to meet you, Rick. You worked for IBM for a long time, right? Thirty-some years. Wow. And at what point did you decide, I need to talk to somebody about retirement? It's a process that I was always involved in, Rick. How many people did you talk to before you decided upon Dan White? Probably close to a dozen. What was it about Dan White himself?