 Well, Rob, I think the biggest situation we see is that for the last 40 years, most of us have been in accumulation mode. It's what we call going up the mountain. That requires a skill set. But once you reach that mountain and you plant that flag and you say, okay, I'm going to start my descent now, well, that's a different skill set. And I think that causes some people to just freeze and start to ask, okay, what do I do now?