 In his case, the crisis is coming from the outside. It's a marriage problem, and everything's blowing up, and there's tension in the home. But I've had two debt-free screamers this week who I asked them what their I've had it moment, where you finally just go, that's it, I've had it. And in both of those two cases, they said, I was disgusted that we make this much, and we're this broke.