 Gosh, I don't even know where to go with that except for let's just note it, that certain things that are really important we're told are super complicated, which I think is just a way of telling most people not to pay attention. That's it. It just encourages people to not worry about it. Just make sure you get your bills paid. Don't worry about this over here. We got people who actually handle this. And the irony about that is that at the same token, we ignore the actual experts.