 There are a lot of things that factor into how people make their decisions, when they make their decisions. Sometimes, Pat, they're younger, right out of college. They've worked a couple of years and decide, I'm going to go for it. Maybe they don't have a family yet or maybe just starting a family. Those folks are more likely to have the wherewithal, the drive, as opposed to somebody who's a little older and maybe have more family. You have kids in college or you're taking care of your own parents. I mean, life circumstances.