 The third thing that I remember hearing from my mom is, well, if all your friends jumped off a bridge, would you do it too? You know, how many of you come in and said, well, Johnny's mom will let him or Sally's mom will let her. Well, if, you know, if all of them are going to jump off a bridge, would you jump off too? And it's stunning to me how many people make financial decisions based on what their friends and their coworkers or their neighbors do.