 Intelligent assistance. I turned this around and say it's not really AI, it's IA, right? In fact, I think that's a much more appropriate term. Intelligent assistance, intelligent augmentation, intelligence amplification. Using what we do, but make it quicker, faster. The FT says we're going to have roughly $8 billion worth of revenues in that. Not very much. I think it's going to be a whole lot more than that in just a short time. But Schwab already has a portfolio called the intelligent portfolio. It's essentially a robotic advisor. Of course, we talk about that this afternoon, this morning with IBM, but many of those things are now becoming possible because you have a real-time data feed of 100 million different sources. Every single bank that's in the lending business is investing in intelligent portfolios. The idea being if you have simple investments, you can probably do it with a robot. And Fry and Osborn, who did a great starting, you should download from Oxford University saying that roughly 40 to 50% of jobs will go away. They're saying 58% of financial advisors will be replaced by robots and AI. I've tried some of those systems and it's pretty mind-blowing what they can do. They're not human in the sense of saying that I don't want to invest, say, in defense or something, so they wouldn't care, right? They just go for the numbers, right? They don't go for sentiments. But they can do simple stuff and they're going to get exponentially better.