 you're going to have clients that don't understand the entire construct of the environment that we live in and that we work in. And so they end up saying, well, why do that? Why do this? Why invest there? Why put my money over here? And if that why is unanswered, it's kind of like they end up just falling prey to all the different fads that are out there. They have paralysis by analysis. They don't have conviction. So I feel like economic literacy is the precursor to doing the financial literacy.