 cash and who have very high incomes, even going into retirement, and they're still struggling financially because they didn't do all those original things. And so we're spending a lot of time talking about the financial foundation and paying down debt and owning their life, owning their homes, owning their cars, instead of leasing and renting and owing money on everything. We need to get rid of those burdens of debt, and that becomes so important. And so that's what enables some people with a much smaller income to actually enjoy life.