We've made improvements in every area, and we're confident that we are under way to see even further improvement in the near future. For example, we have recreated the service team structure, which will provide greater backup and faster responses to advisers' questions. We've revamped new account setup process and brought in automated processes in a number of areas, which has helped us to reduce the new account setup time, as well as reduce errors. Or will more of the upstarts survive than we think. Competition is never going to end.
Competition is a very good thing.
Competition keeps us all working hard. 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.