Well welcome everyone to another abundance group trust advisor training. Ben, do I have week? 11? Correct? Or is it week 10. That's what I thought. And today, and next Tuesday, we are moving into training on foundations. So if you guys think back to our first three weeks where we talked about structure, you know that there are four main structures. And then there are four more main structures, the only difference being the addition of a foundation. So you can tell me, when is it appropriate for the client to be using a foundation?