So for the benefit of people who either might be listening—or, surprisingly, some might read the transcript—you said a typical client comes in, they're in their seventies, and they probably opened their accounts, according to your information, two decades earlier. What happens? They sit down in front of your desk and say, “Mr. Sohmer, here it is. I'm spilling the beans. What do I do?”
On February 8th, 2011. See this statement in context.