At Lombard, when a new broker comes on board, we make a total effort to make the transition smooth. In a matter of hours, a formal dedicated transfer of account team, led by one of Lombard's principals, is hard at work putting client communications and paperwork in motion, with a goal of contacting every account on the broker's very first day. And, because we put our completely automated Transfer of Accounts system into action, we eliminate the administrative burdens associated with generating correspondence, producing forms, and tracking the process.