Cerulli says that retiremSent plan advisers’ home offices will assume more control over making investment decisions for their plan sponsor clients in light of the new fiduciary rule. Do you expect that retirement plan advisers will resist giving up control over their clients’ portfolios? If more investment decisions are handled at the home office, will this require advisers to obtain fewer designations? Do plan sponsors expect retirement plan advisers to do more today with financial wellness programs and helping their participants become retirement ready? How else do you see the role of the retirement plan adviser changing?