 So in the past, what would happen is at least those people would buy a home. And so I'm going to give you two examples. My dad, when I was a kid, bought a home for $10,000, a little 1,000, 1,200-square-foot home. And by the time we moved out of it and sold it and moved to another city, he sold it for $100,000. I mean, you think about that. That's a massive amount of wealth growth. And remember, that's a long time ago. $10,000 then was probably $100,000, $200,000 now.