 is quite a bit younger than me, and so conceding to him much of anything is not something that I like doing. And so he had gotten way on board with the Ramsey business and was drinking the Kool-Aid way down the road, and I was hemming and hawing and hedging, and he would just make these little comments. Shout out to Carl Giesing. And he would say things like, well, that's okay, you don't have to do it, but someday I'll be a millionaire.