 I don't mind sitting down and having those conversations and explaining the reality of the situation and how a reverse mortgage is going to put them in a better position. It's not for everybody, but for somebody that's struggling in retirement and you own a home free and clear, you don't need to. If you're choosing between food and medication and having your electricity on, I think it's a fair conversation to have. I really do. We had a client that was putting her groceries on a credit card