 Yeah, I'm glad you brought that up because people particularly who are starting maybe to work, getting out of college, they don't think about that too much. They think about just trying to make ends meet. But if you put a little away each month, either put it into an IRA or whatever it happens to be, that grows and you have time to build that account. So more and more, it sounds like personal responsibility is going to be a big part of this, isn't it? Or it should be, it seems like.