The competitors who understand their customers best and who provide the best service and product will be around for a long time to come. We have a broader scope of service, which includes a much larger list of mutual funds, for example. Our pricing is more competitive, which goes directly to the bottom line of advisers' performance. If you compare our pricing lists with our competitors, you'll find the product services available represent a great deal of value. And we are more flexible in our approach to service.
Advisers expect two things, primarily, from a broker.
First is quality service. Second is reliable technology. We have focused our efforts to maintaining those two primary features first. We've also added new products, such as our referral program, AdvisorDirect, and our separate account program, the Managed Assets Network. We're also working on providing IPOs for advisers.