 I think there's another reason, and I think that's the bite of inflation. I think everything's so non-affordable that some folks that did sort of stop working full-time or stop working full-time, not sort of, they're basically running out of money two or three weeks into the month because they might be having some kind of a retirement pension. They might have Social Security. They might have a veteran's benefit. They might have some kind of a pension, but you add it up.