 Hi. I want to take a quick moment before I ask my question to just say thank you to the whole Ramsey team. My mom took Financial Peace University in the 90s, and I took it 17 years ago. We're both multimillionaires now, and you guys have truly changed our family tree. So I just wanted to say thank you. That's amazing. Thank you for sharing. Can I push back on one thing you said? Yes. We didn't do anything.