 And so part of this is having the hard conversation and saying, listen, I can't take care of you guys if you don't take care of yourselves. We're not going to be able to have you move in with us and have us float you if you didn't prepare. Now, the good thing is they're not that old. No, they're not that time. If they work really hard for the next 10, 15 years, they can have a decent little nest egg and retire with some peace. Would you agree? Why is there no hope for them at this point?