 So, folks, the one thing is, and Dave will let you wind down the program today, certainly we want people to reach out. It was a look at how when you're not fiscally responsible like some of these countries have been with the Olympics, it can put you over a barrel. And in some instances, like Montreal, 30 years of problems. Now, we don't want to cause you 30 years. We don't want you to have 30 years of problems in retirement because that could mean all the years in retirement you've got problems.