Mr. Derek Quinlan:

Based on the client's ... I mean, in very simple terms we used to build a model that would show the client their forecast of their income, what tax they would have to pay. Then you would put in what they had ... what they were living on and you might have come up with a surplus or a deficit. But you gave a client some kind of a forecast out, three or four or five years, that they could have something to go home and talk about.