 And the temptation is to always point your finger and say, this guy will help us or this guy's going to ruin it or she's going to save us or this guy. And what we've said at Ramsey for 30 years, what we'll continue to say is spend your energy on things you can control and spend your energy on things in your home. And it's frustrating when you are working really hard to pay off debt and you're looking around and you know your neighbors don't make enough money to pay cash for those cars they just pulled up in and the renovations that are happening.