So far in 2024 an area of focus for FINRA has been on Supervision and Retention of Off-Channel Communications. Fines have centered around firms inadequately maintaining and preserving electronic communications. More specifically, personal texts. How are you wrapping your arms around text monitoring to keep your firm out of the regulator's cross hairs? How are your educating and monitoring your advisors and their staff on “off-channel communications?”  What isthe impact of encrypted messaging tools including What’s App, and third- party chat tools in your strategy?