 You know, just saved me from a really stupid decision, but frankly, a decision that I didn't know was stupid until someone told me. That's right. Their information system. And you make the point again and again, there's a difference between ignorance and stupidity. And ignorance is what can be remedied. Stupidity can't. You also talk about the debt problem of the lower class. People with good incomes nevertheless buy stuff that they don't need because they don't know how to do basic financial exercises in America's physically fit exercise system.