 And it was tough. I was in the business, and it was tough getting people to hold on. And we knew it was the right thing to do, but when you talk about emotions and money is an emotional thing, it's tough to help people get off the edge of stepping off and getting out. And a lot of people, I don't see this much now, but certainly afterwards, I saw a lot of people that hadn't even done anything since then. They still were sitting in cash because they were so scared. And the recovery happened so fast in 2009.