 But it doesn't have to. Because if we simply lived within the means of the dollar, this is common sense elementary accounting 101 Brad Young can teach his class. I'll come in as an example of what not to do. But you don't spend what you don't have. How easy could it be? Now, here's a man who's a lot more than I do. Well, I'm not going to talk to him. I'm going to talk to Jeff.