I really like this topic,

Chris.

We know the rise of the informed shopper in the world.

We have so much access to so much information to shop and dig.

The same thing is on the financial industry, right? So we think about this ties right back to engagement as well.

So how do you get employees to understand and get buy-in and build trust? knowing that there's an informed shopper out there.

And what we mean by that, and what I'd like to touch on, is the fact that retail investment platforms, like having your own brokerage account online, is really simple nowadays.

If you were to take out two, three items from what great looks like in pension, but you think the equity share plan side of it should learn from the pension side, what would that typically be, I think?