 We sit down and look over your confidential financial questionnaire, which I talked about a few minutes ago. You send it to us prior to the first meeting. That way we can have a very, very informative and productive first meeting. And then from there, we go through all the red flags. I take that confidential financial questionnaire. I meet with my other advisors. We strategize. We look at four of the red flags that we see, things to make sure you're protected.