 that they're not managing their money properly. And sometimes I will say, Dave, it's hard to know because unless you know this person on that financial level, you may not know how they handle their money. But if you see them pull out a credit card when it's time to pay for dinner, if you see that their houses, if you have an idea of where they work and what they earn and you're taking a look at their houses and their cars, there's certain little indicators that you're going, I wonder