Bob always says that what we do is sell a promise to pay. If clients don't trust us, then what good are our promises? A major part of being able to deliver on our promise to pay is not having to waste money paying fines. I take that very seriously in my role and work hard to ensure that our programs remain compliant.

This program is a big deal. We try to get as many advisors there as possible.

Being small, we have to be efficient.