 Good morning, David. So many people live paycheck to paycheck and don't have the emergency fund if the transmission breaks or the hot water heater goes. But even people with retirement savings don't have much of an emergency kitty. What are some of the numbers? So, David, the personal savings rate, you know, it fell from an average about 12% in the 1970s to less than 2% in the mid-2000s before rebounding to around 5% before the pandemic.