 I'll worry about it later, I'll worry about it later. Whereas if you're of our generation and most of our clients' generation, then we were so much closer to whether it was your parents that went through the Great Depression or whether it was your grandparents who went through the Great Depression. You actually had relationships with people who did that. You watched them save, you saw how scared they were. When they built retirements, it was based on setting money aside.