 Spending less is a good thing. And we're going to talk a little bit later about banks and how banks are going to have to start charging you less, which if they charge you less for some things, maybe you'll have more for berries. 855-935-TALK is our phone number, 855-935-8255. And we've got lines open for you right now. It's a good day to call. Steve, thanks for calling. Welcome to the show.