They're put on live in Chicago, and they're also put on the web, so if you're insomniac, and you want to take your training at two in the morning in your bathrobe, you can actually do that, through our web based training program. So we put on a three-hour monthly training program, qualifying it for continuing education. And in order to facilitate that we're now in 22 states, and we broadcast it over our web-site. A typical rep will increase their income with us about 10 to 15 percent a year. We've done the metrics and as they get more comfortable and get more schooled in the ideas, their revenue, their planning revenue, ratchets up at that level, which is really pretty impressive.
Accountants make great financial planners.
Once they get over the butterflies and actually making recommendations to their clients, they fly very nicely on their own. So that a rep will be able to defer anywhere from zero to 100 percent of their revenue through us on a pre-tax basis. Recognizing that one of the reasons that people add financial services is to provide for their own financial security, we thought that the deferred comp plan was very important. Certainly, the fee business is a huge wave in the industry, that has been rolling for the last number of years, and gaining momentum. We currently have a couple hundred million dollars under management on asset-based fee programs, and we see that as a growing area.