 Oh, it's critical. I'm with a guy who this was before the South got more expensive to live. He was from our neck of the woods, worked for the government, rolled his TSP over into an IRA. Haven't seen him in years because he didn't need to be seen. He's just getting checks every month. And I call him and I go, I want to see you. How's it been? South Carolina goes, I don't need to see you anymore.