 Yeah, that's a very good point. And I often make that point also with small business people. There's many of them, you know, if they are in their first, say, five years of running, they're still pretty inexperienced. And while there's a lot of natural talent out there and it takes real guts to start a business, especially these days, you know, a lot of these people are going to, unfortunately, be put in a position because of the economy where they're going to be forced to make judgments that they wouldn't be if we had a more stable economy that was built on more foundational principles