 People don't believe what they're told, and that moves to the banks as well. They don't believe that the banks are necessarily serving their interests as best they can. So whatever the younger generation has done, since there's this crumbling of these institutions that have stood as the voice of reason and where you go for more information for so long and they can't be trusted, the vacuum that's filling that is social media. Now, some of the information you're getting is great, and you're educating yourself and empowering yourself, and it's where you're turning, but some of it is nonsense.