 It's so convoluted and so difficult to maneuver. And it's done, it's been defined this way for a reason, with a purpose. So many of us can feel lost and not do anything about it and eventually give up, even if we feel like doing something about it. So if I could just hear a little bit of that, or that could be discussed, it could be very helpful. I think not only for me, but so many people who also share this feeling.