 Right. And, you know, looking back, of course, people used to get long term retirement plans from their employers and were kind of set up a little better than they are now. If you have the 401k, perhaps that's OK. And some of these other things. But there was usually a kind of a regular payment that people got from retirement, which doesn't seem to be there. So that insurance bank, it's kind of gone away, hasn't it, to some extent?