 It's an important topic to dwell upon because this is a continuous cycle. And now you moms and you dads, you've grown up and now you have kids of your own and they're growing up. And before too long, they'll be the ones raising their kids if they're not already doing that. And the cycle continues. So one of the great values of a discussion like this is that we can learn from everybody's experience and do better. Let's go to Francisco in San Francisco of all places. Good morning, Francisco, and welcome.