 Thanks, Rebecca. So happy to be here for a happy hour. What a better way to spend the day. Well, you know, I think I have you here a little bit for a personal reason because I'm like, no, I don't really talk to my kids about money. But I think I should. No, and we do kind of. But I was impressed to see or surprised to see, should I say, Selena, that 72% of parents experience at least some reluctance to talk to their kids about financial matters. Why are we reluctant to talk to our kids about finances?