 I think you're right. Unless you have those skills, which frankly aren't really taught in schools anymore. But if you had a white collar job and you didn't do plumbing or carpentry or anything like that, you've got to pay to have that done. And I think for a lot of people, they just don't have the money to do it. And for folks in retirement, that might mean that your house kind of looks kind of shabby if you haven't been able to keep up with it or pay someone to keep up with it.