 Young families, they still, you finish school and you're ready to be gratified, right? I've delayed my gratification through high school, through college, maybe tech school, and I'm just ready. You know, turn me loose. I'm ready to get that home and get a new fishing boat and a car. And yet it takes a bit of discipline to delay that gratification, save up, you know, 10 to 20 percent down income.