NICOLE NEWLIN: Thanks Marie.
SWIFT: Yes, I agree with you. Could you please drill down a little bit into each of those? Let's start with number one – the tougher compliance and regulatory landscape.
SWIFT: Nicole you make a really good point about practice management and expecting your third-party providers to provide that for you or at least offers some ideas there. Could you talk to us a little bit about what you offer not for just your own advisor clients but for the advisor profession in general?