 But when you look at it and you realize we had a period of the roaring 20s, we had a period there in the early 2000s. We had a period there that was really, really good. Then you start having a deconstruction period of pulling the society apart. And that's really what we've seen in the last 10 to 15 years is this society pulling itself apart. And that creates the environment that precedes a crisis.