 I completely agree with that statement. Phil, do you have any words of wisdom on staying away from being defrauded of what you've earned? Well, there's the rub, isn't it? That in order for us to be totally independent, we need not fear, live in fear of all these scamsters and fraudsters that, by the way, are working 24-7 to get at our bank accounts, to get at our savings accounts, our checking accounts, all our money. I just was on a