 Hi, thank you. I'm excited to be here. How can we help? So basically, my question is, when should my daughter get a bank account? I open a bank account for a child as soon as they're born, and I throw gift money and other stuff in there just to let it start building up, because somebody's got to pay for their first car, and it's not going to be me. Yes. And then as far as the bank account goes that they actually operate their lives out of, 14, 15, or 16, depending on their personal maturity...