 have cars in their driveway, they may have the house that's next to yours and they're your neighbor, but you get the sense that they're not managing their money properly. And sometimes I will say, Dave, it's hard to know because unless you know this person, you know, on that financial level, you may not know how they handle their money. But if you see them pull out a credit card when it's time to pay for dinner, you know, if you see that their houses, if you have the idea of where they work and what they earn and you're taking a look at their houses,