Looking at our region commission screen this morning -- one word, very discouraging. OK, that's two words. I see lots of guys under the red line, even those out 5 to 10 years. I see guys I respect who are struggling. Do you see any catalyst that will get this turned around? Because I don't. Economy is getting worse and investor sentiment is awful. I think a lot of guys are surviving by taking existing clients and selling them annuities. How long before HQ starts whacking guys, or struggling FAs just walk. I see the classes of 2004 to 2007 as being very vulnerable. And you get the feeling the vets are unhappy about so many new guys still being thrown out into the field.I don't talk to many people, but I wonder if the GPs will do something drastic if we stay in the negative bonus bracket. Or what if we start losing money?