 The piece of paper just gets your foot in the door, and you have to knock on a lot of doors to get your foot in the door these days for these young people. I want to open up the phone lines and bring in our listeners. Give us a call, especially if you are a Gen Z-er. If you're between 18 and 27 and you're listening to us and you've been struggling to make ends meet, or if you're the parents of a Gen Z-er and you've actually been helping Gen