 And what we've said at Ramsey for 30 years, what we'll continue to say is spend your energy on things you can control and spend your energy on things in your home. And it's frustrating when you are working really hard to pay off debt and you're looking around and you know your neighbors don't make enough money to pay cash for those cars they just pulled up in and the renovations that are happening. And you're worried about what happens to all of us when people default, when they get scared about their economy and all that.