 And you can make up some ground pretty quick, but you've got to be aggressive. And I would say, Dave, beyond just the mindset of aggressive, I'd be doing some things if I were him to make some extra money and try to catch up. Where can I make an additional $10,000, an additional $15,000 to $25,000 so you can play catch up and start stacking some money? When you begin to see that momentum, by the way, that gets really, really exciting and you start doing more of that.