Thanks for that. That's a great perspective, I would be curious if this results in an increase of rework on advice documents due to lack of documentation from the source of the advice? But as you say it is certainly time efficient from the adviser perspective and drives down some of that prep time. I think it is a good reminder that sometimes a short conversation can save everyone a lot of time when we get caught up in developing systems for efficiencies. It does certainly still need surrounding systems to be robust, especially with file noting and perhaps even providing an early executive summary from the paraplanner to the adviser for sign off prior to the full development of the advice, but I like this more, the more I think about it.