 You look around, and we're in election season. There's all these concerns about the future, all these concerns about politics, about policies, about the national debt, all these frustrating, scary things. And the temptation is to always point your finger and say, this guy will help us, or this guy's going to ruin it, or she's going to save us, or this guy. And what we've said at Ramsey for 30 years, what we'll continue to say is,