 I do have a different opinion. I mean, I heard Ben and Jeremiah, and I like the different opinions. In fact, hearing different opinions, in my opinion, is also part of critical thinking, which is you've got to understand all the different viewpoints before you make a decision. And that's what we really encourage here on The Real Money Pros. And again, the phone lines are open, 979-59-MONEY. That's 979-596-6639. Matt, joining me here on the program. I'm Brian Wiley.