I started to really evaluate what the future looks like and what the future for advice looks like. The independent model was the model that could support that type of growth. We were definitely scared, and I think for me it's the fear of the unknown. And Schwab was able to calm my nerves here and just let me know that there are people that can help. The team that supported us in this transition and continues to support us has been very integral in our growth. We've more than doubled our business.