 the eight ball, comparatively speaking, to generations past. And that's backed up by a recent survey from the World Economic Forum. It says that financial literacy is lacking among adults. And it's not just in the United States. It's also in Europe as well. So in the United States, only about 50% of adults have a good understanding of personal finance. And that's a 2% drop from just the past two years, which is unacceptable.