 effect on their finances. And so we have a full spectrum from our clients, some that are completely worried and some that are not worried at all. So I thought it would be good to come on here. I don't know who's not worried. It seems like everyone's worried right now and affecting everyone. And I love that we're going to talk about this. It's kind of interesting and I can't wait to talk about it. We're going to keep our lines open here. We're going to go to a break. When we come back, we can talk further.