 Stephen, great stuff. And I know people can go and check out the Bank of America Institute on data consumer stuff. Thank you, Stephen, for the time. Really very good. And you do it in a great way. We can kind of forecast a little bit of what's coming. Thank you, Stephen. Thanks. As veterans, we're no strangers to helping others. That's what we were taught, service before self. But we do have one question for the veterans listening. When was the last time you reached out for help?