 And I completely get this. I mean, it's just I can't believe where we are. Another thing I think I'd like for you to comment on is there's a retirement crisis. I was reading an article over the weekend, E.J., on USA Today, where more elderly people are having to go and accept jobs just to survive. Their Social Security, obviously, probably was never enough, and they probably could have done a better job saving and investing. I get it.