So if you were talking to that 60%, that movable middle who they've waited in, they've got an acceptable use policy, they are finding some cases that What are one or two things that you would advise them to really be thinking about? Is it having that internal champion that is beating the proverbial drum? Is it a skunk works group within the organization that really is tasked with pushing this forward? What's your advice?

I would take a couple of steps for that movable middle.

The first is have one of your executives really become educated on the capabilities of AI.

What can you actually do with this, right? That's going to be the, because you need to have an executive driving a program that you really want to have successful.

So first, get one of your executives to be really educated on the capabilities.

Second, put together a formal program.

where either you're taking a subset of people and you're enabling them first and then more broadly enabling, or you've got the executive that's saying, let me find the use cases that are going to be most successful.

But just based on your experience in leadership and advice and counsel, What tends to break first when organizations go through this rapid scaling that we're seeing right now? Is it human capital? Is it financial capital? Is it the technology? What's been your experience there?

So that's, there's an agent.

Yeah, when you think of it, and you and I have talked about this offline many times, right? Think of an agent as taking on a complete task that you don't need to do, right? So if you've described it as my task is on a weekly basis, we get all the data out of the CRM, regardless of how you get it out.

Because today it's probably an Excel report.

We, as an agent, what is your workflow? I get all the data out of the CRM.

That includes the age, the clients, maybe the client's name, and what the RMDs they've taken to date are.

I then use the tax tables based on their age to determine what's the maximum RMD they're allowed to take.

And then I take the maximum RMD minus the year-to-date, and that gives me a dollar amount left.

Exactly.

Yeah, yeah.

And the reason is because there's, you know, we do work in a regulated industry.

There's a lot of things in our industry that we need to be careful of.

Materially non-public information.

Not just your client data, by the way, your firm's data, right? So if you were to roll out, if you were to ask artificial intelligence, "Hey, here's my, my, uh, fee schedule.

Can you compare that to everybody else?" And you put that into a free AI, well, guess what? Now your fee schedule's kind of out in the wild, right? And anyone that can, that has access to that AI tool can actually see what your fee schedule is.

You, you know, free tools also, you know, like there's an old saying, right, if it's free, you're the product, right? So, um, with a lot of the free tools, they're gonna use that data for either training purposes.

Mm-hmm.

Can you explain that activist and investor arc? And, you know, where do, like, we're next gen, right? Gen Z, millennials, where do we often come in on that arc and how do we progress along it?

So normally what you'd find is younger investors are going to start on that arc pretty early on if you look at the entire arc.

The first steps of that are finding like-minded individuals that share your values and really care about a company.

There's tons of online capabilities that you have.

Many of these investor groups, you can find them on Discord or Reddit.

Those were a lot of the areas that you'll find those types of groups.

You can find like-minded individuals.

How do you see some of those AI breakthroughs changing the landscape, not only for next-gen investors like our viewers, but those who are embarking upon activist campaigns as well?