This is a field report, if you will. I am on a trip to India, a work trip so none of my family came along with me, and I'm here as a guest of some really incredible people doing some amazing work in the financial services industry, speaking broadly. This trip has reminded me of what I've learned, I don't know if it's a hundred times, but maybe it's more than a hundred times over the last couple of years. I'm reminded of it in New Zealand, and I'm reminded of it in Australia, and I've been reminded all over Europe and South Africa, and that is that real financial advisors are struggling with the same things all over the world, and also enjoying the same huge, massive opportunity with the changes that are going on in our industry.