Proactive, high-touch client experience: Communication and transparency.

Dale K. Campbell: We think about the transparency and risk management and the ability for us to understand security level detail on a daily basis in a strategy and being able to proactively communicate that to a client. For example, during the regional banking crisis or even during the 2008 financial crisis, when we had the ability to understand what's in a portfolio before a client called us and asked us that we would be proactive in reaching out and say, you have this exposure. How does it apply to you? Here's the risk level. Here's what we're doing about it, because we could take immediate action if necessary. Versus if you didn't have that technology or you didn't have that dialogue, you might have to wait till the quarter end meeting to understand what you're holding, and by then it likely is too late.