 Nothing else. It doesn't matter where you live, it costs too much, or you have a lot of kids, they cost too much. It's irrelevant. If you had more income, the problem would be dealt with. Number two, high level of debt. Debt is not a problem. I have millions, tens of millions of dollars of debt because I own all these different apartment complexes. That's all debt. Does it hurt me? No, it makes me money. Debt is not a problem.