It's a chance for us to stop and focus people on the need. It's a chance to discuss how to keep moving the ball forward.

And that has really taken off in the market place.

I'm very excited by the breadth and number of ideas.

This is something that our people in the field have been seeing quite a bit. More small businesses are adopting financial planning, but when they fail, there is no process in place.

I think it has left people worried. For many years, people didn't appreciate the positive aspects of defined benefit plans. Now that they might lose them, people are concerned.

without engaging in a lengthy court proceeding.