 can make a living. And economic downturns generally clear that up. And we think that we're going to get one that burns pretty white hot here in the 2030s where businesses, and we've actually seen that slightly already this year in this mild downturn in 2024 and with higher interest rates, we've seen the bankruptcies have really ratcheted up because I think a lot of business owners have thought, hey, when we've got forgivable PPP loans and 0% interest rates and more demand than we've ever seen before and a stronger consumer spending growth wave than we've ever seen before,