 Those will seem like the good times when the money printing and the size and growth of our national debt come home to roost. Joshua Espinoza, go ahead if you wanted to add something. Well, I just wanted to mention that you bring up a good point, 2008. And the fact is, being in this business as long as I have, I saw a lot of good people get hurt in 2008. Many of them had high-level financial planners.