 I love in the book you talk about the journey begins with awareness of the current state followed by a desire to improve personal behaviors and spending habits. You say for perfectionists with utopian tendencies, and I have found myself on that lonely island sometimes. Oh, yeah, I raised my hand too. Small incremental steps. I love that, small incremental steps, because everybody thinks you have to take a big leap and it's all or nothing. Do you think that?