recently went indy, roughly 1 year ago, and my b/d offers a wide range of traditional products, which i joined them for, but also a ton of Oil & Gas, REIT’s, 1031’s, Equipment Leasing, Structured Sales, etc etc.  Since I did not join them specifically for these products, I did not compare their availability at wirehouses and other indy shops.  What do you LPL and ML (and other) guys/gals do when a client needs these services, are they offered by your b/d?