 In hindsight, it's always 2020. You just got to make the best decisions you can moving forward and things do change. But you can't let something that's happened in the past, maybe a bad decision or something bad that happened in the market, maybe the financial crisis or whatever, come up and paralyze you from doing something. So it's important that you make the best decision going forward because doing nothing a lot of times is going to be your worst bet and it's not going to get you to where you need to be. Inflation is now a problem. It's always been a problem, but now it's really a problem because it's a lot higher than it has been historically.