Hello Anthony, hello Claudia. We have an upcoming FBAR deadline, and it's triggering a lot of questions from our clients. Well, there's always an FBAR deadline, isn't there? Yes, alright. So let's start with one of the first questions we're getting a lot of: if I file the FBAR now, it will be my first time ever to report it. I'm afraid that it may raise a red flag and increase my chances of being audited. I feel like it's a bad idea for me to report it now before I start the streamlined process, mm-hmm. So tell me, how is filing it now helping me instead of putting me at risk? I mean, this is also a question we hear when people are doing the full offshore disclosure. So, what happens is a lot of times we have an FBAR due date that's upcoming, hence the person realizes they need to do something because of the FBAR deadline, and now they're worried. But if I file my FBAR before my disclosure, and really, it takes months to get a disclosure done correctly, streamlines take months to do accurately, correctly, and then the full eight-year OVDI takes even longer. So there is going to be a period of time where you have an FBAR filed for one year before a disclosure is made. Okay, part of the way we deal with that is we do file a preclearance, so there is some sort of protection out there. You file a preclearance even when we're pretty sure we're going streamlined, um. So that's one way we handle it, and the other thing is we handle it because we sort of know how the IRS operates. But one thing you need to know, okay, and this sort of ends the conversation, this ends...