 On the positive side, it's about two-thirds of the business owners that we surveyed have a succession plan of some sort, but concerningly, more than half, so 58%, feel like they're not fully prepared. And most concerning, about one in five, that they were not prepared at all. So I think there's a lot of work to be done here. No kidding, one in five not prepared. So along those lines, what are some of the key factors for businesses to keep in mind when they're doing this succession planning?