Are You Getting the Sense That the Next Generation Is More Here to Stay?

Tayad: I think if you look at any private bank or wealth management firm, the biggest loss of assets is not competition coming in and taking you out. It's really that transition period where one generation's transitioning the wealth to the next. And a covet has only accelerated this across all these s,. cross investment banking, consumer banking, wealth management, private banking. Us trying to stay ahead of that curve, right?