 And households, Carol, you know this, households don't own a lot of stock. So all of that good stuff that we talk about in the equity markets really doesn't impact households traditionally. And even that high equity market, we guys talk about this all the time, it's really technology. And it's not just technology, it's a handful of companies in the technology sector. Why do you think that so much of America is struggling at a time when the economy is so good for so many people?