 It was long before that, and it was in the Obama era, and even before that, when we really started as a country not having our financial house in order. And it was really around 2000, 2002, post-9-11, I'll say, that this big change, a subtle change, the frog in the kettle, slightly the water getting warmer. But now it's just this news, like such dramatic news almost every week, at least once a month now.