 Cameo, Gary, appreciate you being with us this morning, but we've got about three, four minutes left. I want your best stories. Don't share names, but give us some ideas as to people you've dealt with, concerns they have in 2024 with all that's happening out there. They don't know where they're going, don't know where we're going economy-wise, but they want to make sure they're okay a year from now. What would you say, Cameo?