It's in the context of their role as a “client advisor”, the things that they're going to be providing advice around. They may be providing advice around how to do your day-to-day banking on your mobile phone, or online, and teaching you and enabling you to do that.
In fact, we had an 85-year-old client at our annual meeting reference that exact point. He valued the fact that they were teaching him how to do banking in today's world. It could be the travel insurance example. Or it could be an example of something that they don't have the skills for, to provide the deep advice. They're then encouraged to introduce that client to an advisor who can do a better job of uncovering the needs and the goals of the client and recommending different options to achieve those goals. We would never ask our client advisor to recommend something they were not qualified to do.