Thank you, Chris Lake, for your introduction to your Regional Vice President at Business Group Resources. Chris is a very warm and talented Research and Development Tax Credit adviser and a very quick study. She saw the potential in collaborating with my wealth management team to provide strategies for some of her company's tax credit clients to deploy those credited funds where they can provide the best possible good for those clients. Chris's RVP, Richard Toral, is also Life and Health Licensed, and I will be able to ensure that he is credited as writing adviser for any solution we write. In addition to being a student of her craft, Chris is a very collaborative professional and believes, as I do that great gains can happen when professionals are willing to pool their talents.