 you know, it's very different. So it's hard. That's why you need to speak to a good financial advisor. And even small savings can, as you point out, compound an ad. I'll tell you what, let me take another pause. We'll come back. We'll grab a few more phone calls. When we come back, we can talk compound interest, but we can also, there's an author out there. I don't know if you're familiar with the guy named Harry Dent. Very outspoken financial author. He's an economist. And he's made a very bold claim