 what we call the golden divorce era, where people my age, and I'm in my 60s, are getting divorced now. And society, two people truly can live, not as cheaply as one, but they can live as cheaply as one and a half as a general rule. So when we have all these seniors getting divorced, all of a sudden social security payments are significantly increased because you have two homes, you have two cars, you don't have the shared resources.