 Well, you're not going to be impacted as much. Now, again, if you haven't saved up, we understand, you know, life gets in the way. There's all kinds of things that have happened that can prevent people, maybe even through no fault of their own, maybe through their fault of their own, but that's okay. We always say on this show, that old Chinese proverb, the best time to plant a tree was 20 years ago.