 I think the Fed has to report to a higher authority, which is the U.S. consumer and the CEOs and the shareholders of all these companies. So they're going to really be very, very careful. Great information, and enjoy your perspective, Brian. So I have some positives. Give me a couple. Time for a couple. Owner-users are able to finance commercial acquisitions. I can't remember the last time I've been preaching that. That's a great thing.