 When somebody has not earned the income that they're getting, they know that. They inherently know that. And typically, it's not invested very well. Typically, it's spent on things that are frivolous. And there's just kind of like no respect for money. People don't respect what they didn't have to work for. You had to work for it. You know how much effort went into it and you respect it. And so you're consequently going to treat it properly. And in that case, put your money to work. I believe in making our money work to do what we want it to do. One is paychecks.