 Rick Jensen here with Jim Fath, a client, I like myself, of Dan White & Associates, financial consultants specializing in retirement income. Jim, you said that you talked to financial advisors for many, many years, and you were very unhappy because during the recession, the advisor said, hold on, hold on, hold on, you are losing money. You decided to accept the invitation to a seminar with Dan White, and you signed up with Dan. How did that work out?